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$120,404
−HK$7,551/mo
▼ 0.25% · 3.875%
HK$124,149
−HK$3,806/mo
Today · 4.125%
HK$127,955
baseline
▲ 0.50% · 4.625%
HK$135,740
+HK$7,785/mo
Deposit HK$26.40M · loan HK$26.40M · min. income ≈ HK$255,910/mo (50% DSR)
Upfront cash ≈ HK$28.65M (deposit + AVD stamp duty HK$2,244,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,948
−HK$7,237/mo
▼ 0.25% · 3.875%
HK$137,541
−HK$3,644/mo
Today · 4.125%
HK$141,185
baseline
▲ 0.50% · 4.625%
HK$148,627
+HK$7,442/mo
Deposit HK$26.40M · loan HK$26.40M · min. income ≈ HK$282,370/mo (50% DSR)
Upfront cash ≈ HK$28.65M (deposit + AVD stamp duty HK$2,244,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,485
−HK$9,061/mo
▼ 0.25% · 3.875%
HK$148,979
−HK$4,567/mo
Today · 4.125%
HK$153,546
baseline
▲ 0.50% · 4.625%
HK$162,888
+HK$9,342/mo
Deposit HK$21.12M · loan HK$31.68M · min. income ≈ HK$307,092/mo (50% DSR)
Upfront cash ≈ HK$23.37M (deposit + AVD stamp duty HK$2,244,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,738
−HK$8,684/mo
▼ 0.25% · 3.875%
HK$165,049
−HK$4,373/mo
Today · 4.125%
HK$169,422
baseline
▲ 0.50% · 4.625%
HK$178,353
+HK$8,931/mo
Deposit HK$21.12M · loan HK$31.68M · min. income ≈ HK$338,844/mo (50% DSR)
Upfront cash ≈ HK$23.37M (deposit + AVD stamp duty HK$2,244,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,566
−HK$10,570/mo
▼ 0.25% · 3.875%
HK$173,809
−HK$5,327/mo
Today · 4.125%
HK$179,136
baseline
▲ 0.50% · 4.625%
HK$190,037
+HK$10,901/mo
Deposit HK$15.84M · loan HK$36.96M · min. income ≈ HK$358,272/mo (50% DSR)
Upfront cash ≈ HK$18.09M (deposit + AVD stamp duty HK$2,244,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,528
−HK$10,131/mo
▼ 0.25% · 3.875%
HK$192,557
−HK$5,102/mo
Today · 4.125%
HK$197,659
baseline
▲ 0.50% · 4.625%
HK$208,078
+HK$10,419/mo
Deposit HK$15.84M · loan HK$36.96M · min. income ≈ HK$395,318/mo (50% DSR)
Upfront cash ≈ HK$18.09M (deposit + AVD stamp duty HK$2,244,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,728
−HK$13,590/mo
▼ 0.25% · 3.875%
HK$223,469
−HK$6,849/mo
Today · 4.125%
HK$230,318
baseline
▲ 0.50% · 4.625%
HK$244,333
+HK$14,015/mo
Deposit HK$5.28M · loan HK$47.52M · min. income ≈ HK$460,636/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$2,244,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,107
−HK$13,027/mo
▼ 0.25% · 3.875%
HK$247,574
−HK$6,560/mo
Today · 4.125%
HK$254,134
baseline
▲ 0.50% · 4.625%
HK$267,529
+HK$13,395/mo
Deposit HK$5.28M · loan HK$47.52M · min. income ≈ HK$508,268/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$2,244,125 · Scale 2, in force from 26 Feb 2026)