The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$119,597
−HK$7,500/mo
▼ 0.25% · 3.875%
HK$123,318
−HK$3,779/mo
Today · 4.125%
HK$127,097
baseline
▲ 0.50% · 4.625%
HK$134,831
+HK$7,734/mo
Deposit HK$26.22M · loan HK$26.22M · min. income ≈ HK$254,194/mo (50% DSR)
Upfront cash ≈ HK$28.45M (deposit + AVD stamp duty HK$2,229,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,051
−HK$7,188/mo
▼ 0.25% · 3.875%
HK$136,619
−HK$3,620/mo
Today · 4.125%
HK$140,239
baseline
▲ 0.50% · 4.625%
HK$147,631
+HK$7,392/mo
Deposit HK$26.22M · loan HK$26.22M · min. income ≈ HK$280,478/mo (50% DSR)
Upfront cash ≈ HK$28.45M (deposit + AVD stamp duty HK$2,229,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,517
−HK$9,000/mo
▼ 0.25% · 3.875%
HK$147,981
−HK$4,536/mo
Today · 4.125%
HK$152,517
baseline
▲ 0.50% · 4.625%
HK$161,797
+HK$9,280/mo
Deposit HK$20.98M · loan HK$31.47M · min. income ≈ HK$305,034/mo (50% DSR)
Upfront cash ≈ HK$23.21M (deposit + AVD stamp duty HK$2,229,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,661
−HK$8,626/mo
▼ 0.25% · 3.875%
HK$163,943
−HK$4,344/mo
Today · 4.125%
HK$168,287
baseline
▲ 0.50% · 4.625%
HK$177,158
+HK$8,871/mo
Deposit HK$20.98M · loan HK$31.47M · min. income ≈ HK$336,574/mo (50% DSR)
Upfront cash ≈ HK$23.21M (deposit + AVD stamp duty HK$2,229,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,436
−HK$10,500/mo
▼ 0.25% · 3.875%
HK$172,645
−HK$5,291/mo
Today · 4.125%
HK$177,936
baseline
▲ 0.50% · 4.625%
HK$188,763
+HK$10,827/mo
Deposit HK$15.73M · loan HK$36.71M · min. income ≈ HK$355,872/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$2,229,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,271
−HK$10,064/mo
▼ 0.25% · 3.875%
HK$191,267
−HK$5,068/mo
Today · 4.125%
HK$196,335
baseline
▲ 0.50% · 4.625%
HK$206,684
+HK$10,349/mo
Deposit HK$15.73M · loan HK$36.71M · min. income ≈ HK$392,670/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$2,229,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,275
−HK$13,500/mo
▼ 0.25% · 3.875%
HK$221,972
−HK$6,803/mo
Today · 4.125%
HK$228,775
baseline
▲ 0.50% · 4.625%
HK$242,695
+HK$13,920/mo
Deposit HK$5.24M · loan HK$47.20M · min. income ≈ HK$457,550/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$2,229,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,492
−HK$12,939/mo
▼ 0.25% · 3.875%
HK$245,915
−HK$6,516/mo
Today · 4.125%
HK$252,431
baseline
▲ 0.50% · 4.625%
HK$265,737
+HK$13,306/mo
Deposit HK$5.24M · loan HK$47.20M · min. income ≈ HK$504,862/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$2,229,088 · Scale 2, in force from 26 Feb 2026)