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$119,689
−HK$7,505/mo
▼ 0.25% · 3.875%
HK$123,412
−HK$3,782/mo
Today · 4.125%
HK$127,194
baseline
▲ 0.50% · 4.625%
HK$134,934
+HK$7,740/mo
Deposit HK$26.24M · loan HK$26.24M · min. income ≈ HK$254,388/mo (50% DSR)
Upfront cash ≈ HK$28.48M (deposit + AVD stamp duty HK$2,230,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,152
−HK$7,194/mo
▼ 0.25% · 3.875%
HK$136,723
−HK$3,623/mo
Today · 4.125%
HK$140,346
baseline
▲ 0.50% · 4.625%
HK$147,744
+HK$7,398/mo
Deposit HK$26.24M · loan HK$26.24M · min. income ≈ HK$280,692/mo (50% DSR)
Upfront cash ≈ HK$28.48M (deposit + AVD stamp duty HK$2,230,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,626
−HK$9,007/mo
▼ 0.25% · 3.875%
HK$148,094
−HK$4,539/mo
Today · 4.125%
HK$152,633
baseline
▲ 0.50% · 4.625%
HK$161,920
+HK$9,287/mo
Deposit HK$21.00M · loan HK$31.49M · min. income ≈ HK$305,266/mo (50% DSR)
Upfront cash ≈ HK$23.23M (deposit + AVD stamp duty HK$2,230,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,783
−HK$8,632/mo
▼ 0.25% · 3.875%
HK$164,068
−HK$4,347/mo
Today · 4.125%
HK$168,415
baseline
▲ 0.50% · 4.625%
HK$177,293
+HK$8,878/mo
Deposit HK$21.00M · loan HK$31.49M · min. income ≈ HK$336,830/mo (50% DSR)
Upfront cash ≈ HK$23.23M (deposit + AVD stamp duty HK$2,230,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,564
−HK$10,508/mo
▼ 0.25% · 3.875%
HK$172,776
−HK$5,296/mo
Today · 4.125%
HK$178,072
baseline
▲ 0.50% · 4.625%
HK$188,907
+HK$10,835/mo
Deposit HK$15.75M · loan HK$36.74M · min. income ≈ HK$356,144/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$2,230,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,413
−HK$10,072/mo
▼ 0.25% · 3.875%
HK$191,413
−HK$5,072/mo
Today · 4.125%
HK$196,485
baseline
▲ 0.50% · 4.625%
HK$206,842
+HK$10,357/mo
Deposit HK$15.75M · loan HK$36.74M · min. income ≈ HK$392,970/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$2,230,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,439
−HK$13,510/mo
▼ 0.25% · 3.875%
HK$222,141
−HK$6,808/mo
Today · 4.125%
HK$228,949
baseline
▲ 0.50% · 4.625%
HK$242,880
+HK$13,931/mo
Deposit HK$5.25M · loan HK$47.24M · min. income ≈ HK$457,898/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$2,230,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,674
−HK$12,949/mo
▼ 0.25% · 3.875%
HK$246,102
−HK$6,521/mo
Today · 4.125%
HK$252,623
baseline
▲ 0.50% · 4.625%
HK$265,939
+HK$13,316/mo
Deposit HK$5.25M · loan HK$47.24M · min. income ≈ HK$505,246/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$2,230,787 · Scale 2, in force from 26 Feb 2026)