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$119,170
−HK$7,473/mo
▼ 0.25% · 3.875%
HK$122,877
−HK$3,766/mo
Today · 4.125%
HK$126,643
baseline
▲ 0.50% · 4.625%
HK$134,349
+HK$7,706/mo
Deposit HK$26.13M · loan HK$26.13M · min. income ≈ HK$253,286/mo (50% DSR)
Upfront cash ≈ HK$28.35M (deposit + AVD stamp duty HK$2,221,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,575
−HK$7,163/mo
▼ 0.25% · 3.875%
HK$136,131
−HK$3,607/mo
Today · 4.125%
HK$139,738
baseline
▲ 0.50% · 4.625%
HK$147,104
+HK$7,366/mo
Deposit HK$26.13M · loan HK$26.13M · min. income ≈ HK$279,476/mo (50% DSR)
Upfront cash ≈ HK$28.35M (deposit + AVD stamp duty HK$2,221,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,004
−HK$8,968/mo
▼ 0.25% · 3.875%
HK$147,452
−HK$4,520/mo
Today · 4.125%
HK$151,972
baseline
▲ 0.50% · 4.625%
HK$161,219
+HK$9,247/mo
Deposit HK$20.90M · loan HK$31.36M · min. income ≈ HK$303,944/mo (50% DSR)
Upfront cash ≈ HK$23.13M (deposit + AVD stamp duty HK$2,221,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,091
−HK$8,595/mo
▼ 0.25% · 3.875%
HK$163,357
−HK$4,329/mo
Today · 4.125%
HK$167,686
baseline
▲ 0.50% · 4.625%
HK$176,525
+HK$8,839/mo
Deposit HK$20.90M · loan HK$31.36M · min. income ≈ HK$335,372/mo (50% DSR)
Upfront cash ≈ HK$23.13M (deposit + AVD stamp duty HK$2,221,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,838
−HK$10,462/mo
▼ 0.25% · 3.875%
HK$172,028
−HK$5,272/mo
Today · 4.125%
HK$177,300
baseline
▲ 0.50% · 4.625%
HK$188,089
+HK$10,789/mo
Deposit HK$15.68M · loan HK$36.58M · min. income ≈ HK$354,600/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$2,221,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,606
−HK$10,027/mo
▼ 0.25% · 3.875%
HK$190,584
−HK$5,049/mo
Today · 4.125%
HK$195,633
baseline
▲ 0.50% · 4.625%
HK$205,946
+HK$10,313/mo
Deposit HK$15.68M · loan HK$36.58M · min. income ≈ HK$391,266/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$2,221,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,506
−HK$13,452/mo
▼ 0.25% · 3.875%
HK$221,178
−HK$6,780/mo
Today · 4.125%
HK$227,958
baseline
▲ 0.50% · 4.625%
HK$241,828
+HK$13,870/mo
Deposit HK$5.23M · loan HK$47.04M · min. income ≈ HK$455,916/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$2,221,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,636
−HK$12,893/mo
▼ 0.25% · 3.875%
HK$245,036
−HK$6,493/mo
Today · 4.125%
HK$251,529
baseline
▲ 0.50% · 4.625%
HK$264,787
+HK$13,258/mo
Deposit HK$5.23M · loan HK$47.04M · min. income ≈ HK$503,058/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$2,221,122 · Scale 2, in force from 26 Feb 2026)