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$118,868
−HK$7,454/mo
▼ 0.25% · 3.875%
HK$122,566
−HK$3,756/mo
Today · 4.125%
HK$126,322
baseline
▲ 0.50% · 4.625%
HK$134,009
+HK$7,687/mo
Deposit HK$26.06M · loan HK$26.06M · min. income ≈ HK$252,644/mo (50% DSR)
Upfront cash ≈ HK$28.28M (deposit + AVD stamp duty HK$2,215,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,240
−HK$7,144/mo
▼ 0.25% · 3.875%
HK$135,786
−HK$3,598/mo
Today · 4.125%
HK$139,384
baseline
▲ 0.50% · 4.625%
HK$146,731
+HK$7,347/mo
Deposit HK$26.06M · loan HK$26.06M · min. income ≈ HK$278,768/mo (50% DSR)
Upfront cash ≈ HK$28.28M (deposit + AVD stamp duty HK$2,215,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,642
−HK$8,945/mo
▼ 0.25% · 3.875%
HK$147,079
−HK$4,508/mo
Today · 4.125%
HK$151,587
baseline
▲ 0.50% · 4.625%
HK$160,810
+HK$9,223/mo
Deposit HK$20.85M · loan HK$31.28M · min. income ≈ HK$303,174/mo (50% DSR)
Upfront cash ≈ HK$23.07M (deposit + AVD stamp duty HK$2,215,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,688
−HK$8,573/mo
▼ 0.25% · 3.875%
HK$162,944
−HK$4,317/mo
Today · 4.125%
HK$167,261
baseline
▲ 0.50% · 4.625%
HK$176,078
+HK$8,817/mo
Deposit HK$20.85M · loan HK$31.28M · min. income ≈ HK$334,522/mo (50% DSR)
Upfront cash ≈ HK$23.07M (deposit + AVD stamp duty HK$2,215,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,415
−HK$10,436/mo
▼ 0.25% · 3.875%
HK$171,592
−HK$5,259/mo
Today · 4.125%
HK$176,851
baseline
▲ 0.50% · 4.625%
HK$187,612
+HK$10,761/mo
Deposit HK$15.64M · loan HK$36.49M · min. income ≈ HK$353,702/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$2,215,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,136
−HK$10,002/mo
▼ 0.25% · 3.875%
HK$190,101
−HK$5,037/mo
Today · 4.125%
HK$195,138
baseline
▲ 0.50% · 4.625%
HK$205,424
+HK$10,286/mo
Deposit HK$15.64M · loan HK$36.49M · min. income ≈ HK$390,276/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$2,215,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,963
−HK$13,417/mo
▼ 0.25% · 3.875%
HK$220,618
−HK$6,762/mo
Today · 4.125%
HK$227,380
baseline
▲ 0.50% · 4.625%
HK$241,216
+HK$13,836/mo
Deposit HK$5.21M · loan HK$46.92M · min. income ≈ HK$454,760/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$2,215,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,031
−HK$12,861/mo
▼ 0.25% · 3.875%
HK$244,415
−HK$6,477/mo
Today · 4.125%
HK$250,892
baseline
▲ 0.50% · 4.625%
HK$264,116
+HK$13,224/mo
Deposit HK$5.21M · loan HK$46.92M · min. income ≈ HK$501,784/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$2,215,496 · Scale 2, in force from 26 Feb 2026)