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$119,399
−HK$7,487/mo
▼ 0.25% · 3.875%
HK$123,113
−HK$3,773/mo
Today · 4.125%
HK$126,886
baseline
▲ 0.50% · 4.625%
HK$134,607
+HK$7,721/mo
Deposit HK$26.18M · loan HK$26.18M · min. income ≈ HK$253,772/mo (50% DSR)
Upfront cash ≈ HK$28.41M (deposit + AVD stamp duty HK$2,225,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,830
−HK$7,176/mo
▼ 0.25% · 3.875%
HK$136,393
−HK$3,613/mo
Today · 4.125%
HK$140,006
baseline
▲ 0.50% · 4.625%
HK$147,386
+HK$7,380/mo
Deposit HK$26.18M · loan HK$26.18M · min. income ≈ HK$280,012/mo (50% DSR)
Upfront cash ≈ HK$28.41M (deposit + AVD stamp duty HK$2,225,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,279
−HK$8,985/mo
▼ 0.25% · 3.875%
HK$147,735
−HK$4,529/mo
Today · 4.125%
HK$152,264
baseline
▲ 0.50% · 4.625%
HK$161,528
+HK$9,264/mo
Deposit HK$20.94M · loan HK$31.42M · min. income ≈ HK$304,528/mo (50% DSR)
Upfront cash ≈ HK$23.17M (deposit + AVD stamp duty HK$2,225,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,396
−HK$8,612/mo
▼ 0.25% · 3.875%
HK$163,671
−HK$4,337/mo
Today · 4.125%
HK$168,008
baseline
▲ 0.50% · 4.625%
HK$176,864
+HK$8,856/mo
Deposit HK$20.94M · loan HK$31.42M · min. income ≈ HK$336,016/mo (50% DSR)
Upfront cash ≈ HK$23.17M (deposit + AVD stamp duty HK$2,225,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,158
−HK$10,483/mo
▼ 0.25% · 3.875%
HK$172,358
−HK$5,283/mo
Today · 4.125%
HK$177,641
baseline
▲ 0.50% · 4.625%
HK$188,450
+HK$10,809/mo
Deposit HK$15.71M · loan HK$36.65M · min. income ≈ HK$355,282/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$2,225,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,962
−HK$10,047/mo
▼ 0.25% · 3.875%
HK$190,950
−HK$5,059/mo
Today · 4.125%
HK$196,009
baseline
▲ 0.50% · 4.625%
HK$206,341
+HK$10,332/mo
Deposit HK$15.71M · loan HK$36.65M · min. income ≈ HK$392,018/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$2,225,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,918
−HK$13,477/mo
▼ 0.25% · 3.875%
HK$221,603
−HK$6,792/mo
Today · 4.125%
HK$228,395
baseline
▲ 0.50% · 4.625%
HK$242,293
+HK$13,898/mo
Deposit HK$5.24M · loan HK$47.13M · min. income ≈ HK$456,790/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$2,225,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,094
−HK$12,918/mo
▼ 0.25% · 3.875%
HK$245,507
−HK$6,505/mo
Today · 4.125%
HK$252,012
baseline
▲ 0.50% · 4.625%
HK$265,296
+HK$13,284/mo
Deposit HK$5.24M · loan HK$47.13M · min. income ≈ HK$504,024/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$2,225,388 · Scale 2, in force from 26 Feb 2026)