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$120,297
−HK$7,544/mo
▼ 0.25% · 3.875%
HK$124,039
−HK$3,802/mo
Today · 4.125%
HK$127,841
baseline
▲ 0.50% · 4.625%
HK$135,619
+HK$7,778/mo
Deposit HK$26.38M · loan HK$26.38M · min. income ≈ HK$255,682/mo (50% DSR)
Upfront cash ≈ HK$28.62M (deposit + AVD stamp duty HK$2,242,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,829
−HK$7,230/mo
▼ 0.25% · 3.875%
HK$137,418
−HK$3,641/mo
Today · 4.125%
HK$141,059
baseline
▲ 0.50% · 4.625%
HK$148,495
+HK$7,436/mo
Deposit HK$26.38M · loan HK$26.38M · min. income ≈ HK$282,118/mo (50% DSR)
Upfront cash ≈ HK$28.62M (deposit + AVD stamp duty HK$2,242,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,356
−HK$9,053/mo
▼ 0.25% · 3.875%
HK$148,847
−HK$4,562/mo
Today · 4.125%
HK$153,409
baseline
▲ 0.50% · 4.625%
HK$162,743
+HK$9,334/mo
Deposit HK$21.10M · loan HK$31.65M · min. income ≈ HK$306,818/mo (50% DSR)
Upfront cash ≈ HK$23.34M (deposit + AVD stamp duty HK$2,242,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,595
−HK$8,676/mo
▼ 0.25% · 3.875%
HK$164,902
−HK$4,369/mo
Today · 4.125%
HK$169,271
baseline
▲ 0.50% · 4.625%
HK$178,194
+HK$8,923/mo
Deposit HK$21.10M · loan HK$31.65M · min. income ≈ HK$338,542/mo (50% DSR)
Upfront cash ≈ HK$23.34M (deposit + AVD stamp duty HK$2,242,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,416
−HK$10,561/mo
▼ 0.25% · 3.875%
HK$173,654
−HK$5,323/mo
Today · 4.125%
HK$178,977
baseline
▲ 0.50% · 4.625%
HK$189,867
+HK$10,890/mo
Deposit HK$15.83M · loan HK$36.93M · min. income ≈ HK$357,954/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$2,242,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,361
−HK$10,122/mo
▼ 0.25% · 3.875%
HK$192,386
−HK$5,097/mo
Today · 4.125%
HK$197,483
baseline
▲ 0.50% · 4.625%
HK$207,893
+HK$10,410/mo
Deposit HK$15.83M · loan HK$36.93M · min. income ≈ HK$394,966/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$2,242,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,534
−HK$13,579/mo
▼ 0.25% · 3.875%
HK$223,270
−HK$6,843/mo
Today · 4.125%
HK$230,113
baseline
▲ 0.50% · 4.625%
HK$244,115
+HK$14,002/mo
Deposit HK$5.28M · loan HK$47.48M · min. income ≈ HK$460,226/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$2,242,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,892
−HK$13,015/mo
▼ 0.25% · 3.875%
HK$247,353
−HK$6,554/mo
Today · 4.125%
HK$253,907
baseline
▲ 0.50% · 4.625%
HK$267,291
+HK$13,384/mo
Deposit HK$5.28M · loan HK$47.48M · min. income ≈ HK$507,814/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$2,242,124 · Scale 2, in force from 26 Feb 2026)