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$120,595
−HK$7,562/mo
▼ 0.25% · 3.875%
HK$124,346
−HK$3,811/mo
Today · 4.125%
HK$128,157
baseline
▲ 0.50% · 4.625%
HK$135,955
+HK$7,798/mo
Deposit HK$26.44M · loan HK$26.44M · min. income ≈ HK$256,314/mo (50% DSR)
Upfront cash ≈ HK$28.69M (deposit + AVD stamp duty HK$2,247,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,161
−HK$7,248/mo
▼ 0.25% · 3.875%
HK$137,759
−HK$3,650/mo
Today · 4.125%
HK$141,409
baseline
▲ 0.50% · 4.625%
HK$148,863
+HK$7,454/mo
Deposit HK$26.44M · loan HK$26.44M · min. income ≈ HK$282,818/mo (50% DSR)
Upfront cash ≈ HK$28.69M (deposit + AVD stamp duty HK$2,247,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,714
−HK$9,075/mo
▼ 0.25% · 3.875%
HK$149,215
−HK$4,574/mo
Today · 4.125%
HK$153,789
baseline
▲ 0.50% · 4.625%
HK$163,146
+HK$9,357/mo
Deposit HK$21.15M · loan HK$31.73M · min. income ≈ HK$307,578/mo (50% DSR)
Upfront cash ≈ HK$23.40M (deposit + AVD stamp duty HK$2,247,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,993
−HK$8,698/mo
▼ 0.25% · 3.875%
HK$165,311
−HK$4,380/mo
Today · 4.125%
HK$169,691
baseline
▲ 0.50% · 4.625%
HK$178,635
+HK$8,944/mo
Deposit HK$21.15M · loan HK$31.73M · min. income ≈ HK$339,382/mo (50% DSR)
Upfront cash ≈ HK$23.40M (deposit + AVD stamp duty HK$2,247,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,833
−HK$10,587/mo
▼ 0.25% · 3.875%
HK$174,085
−HK$5,335/mo
Today · 4.125%
HK$179,420
baseline
▲ 0.50% · 4.625%
HK$190,338
+HK$10,918/mo
Deposit HK$15.87M · loan HK$37.02M · min. income ≈ HK$358,840/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$2,247,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,825
−HK$10,148/mo
▼ 0.25% · 3.875%
HK$192,862
−HK$5,111/mo
Today · 4.125%
HK$197,973
baseline
▲ 0.50% · 4.625%
HK$208,408
+HK$10,435/mo
Deposit HK$15.87M · loan HK$37.02M · min. income ≈ HK$395,946/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$2,247,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,071
−HK$13,612/mo
▼ 0.25% · 3.875%
HK$223,823
−HK$6,860/mo
Today · 4.125%
HK$230,683
baseline
▲ 0.50% · 4.625%
HK$244,720
+HK$14,037/mo
Deposit HK$5.29M · loan HK$47.60M · min. income ≈ HK$461,366/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$2,247,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,489
−HK$13,047/mo
▼ 0.25% · 3.875%
HK$247,966
−HK$6,570/mo
Today · 4.125%
HK$254,536
baseline
▲ 0.50% · 4.625%
HK$267,953
+HK$13,417/mo
Deposit HK$5.29M · loan HK$47.60M · min. income ≈ HK$509,072/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$2,247,680 · Scale 2, in force from 26 Feb 2026)