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$119,870
−HK$7,517/mo
▼ 0.25% · 3.875%
HK$123,599
−HK$3,788/mo
Today · 4.125%
HK$127,387
baseline
▲ 0.50% · 4.625%
HK$135,138
+HK$7,751/mo
Deposit HK$26.28M · loan HK$26.28M · min. income ≈ HK$254,774/mo (50% DSR)
Upfront cash ≈ HK$28.52M (deposit + AVD stamp duty HK$2,234,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,354
−HK$7,205/mo
▼ 0.25% · 3.875%
HK$136,931
−HK$3,628/mo
Today · 4.125%
HK$140,559
baseline
▲ 0.50% · 4.625%
HK$147,968
+HK$7,409/mo
Deposit HK$26.28M · loan HK$26.28M · min. income ≈ HK$281,118/mo (50% DSR)
Upfront cash ≈ HK$28.52M (deposit + AVD stamp duty HK$2,234,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,844
−HK$9,020/mo
▼ 0.25% · 3.875%
HK$148,318
−HK$4,546/mo
Today · 4.125%
HK$152,864
baseline
▲ 0.50% · 4.625%
HK$162,166
+HK$9,302/mo
Deposit HK$21.03M · loan HK$31.54M · min. income ≈ HK$305,728/mo (50% DSR)
Upfront cash ≈ HK$23.26M (deposit + AVD stamp duty HK$2,234,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,025
−HK$8,646/mo
▼ 0.25% · 3.875%
HK$164,317
−HK$4,354/mo
Today · 4.125%
HK$168,671
baseline
▲ 0.50% · 4.625%
HK$177,561
+HK$8,890/mo
Deposit HK$21.03M · loan HK$31.54M · min. income ≈ HK$337,342/mo (50% DSR)
Upfront cash ≈ HK$23.26M (deposit + AVD stamp duty HK$2,234,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,818
−HK$10,524/mo
▼ 0.25% · 3.875%
HK$173,038
−HK$5,304/mo
Today · 4.125%
HK$178,342
baseline
▲ 0.50% · 4.625%
HK$189,193
+HK$10,851/mo
Deposit HK$15.77M · loan HK$36.80M · min. income ≈ HK$356,684/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$2,234,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,696
−HK$10,086/mo
▼ 0.25% · 3.875%
HK$191,703
−HK$5,079/mo
Today · 4.125%
HK$196,782
baseline
▲ 0.50% · 4.625%
HK$207,155
+HK$10,373/mo
Deposit HK$15.77M · loan HK$36.80M · min. income ≈ HK$393,564/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$2,234,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,766
−HK$13,530/mo
▼ 0.25% · 3.875%
HK$222,477
−HK$6,819/mo
Today · 4.125%
HK$229,296
baseline
▲ 0.50% · 4.625%
HK$243,248
+HK$13,952/mo
Deposit HK$5.26M · loan HK$47.31M · min. income ≈ HK$458,592/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$2,234,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,037
−HK$12,969/mo
▼ 0.25% · 3.875%
HK$246,475
−HK$6,531/mo
Today · 4.125%
HK$253,006
baseline
▲ 0.50% · 4.625%
HK$266,342
+HK$13,336/mo
Deposit HK$5.26M · loan HK$47.31M · min. income ≈ HK$506,012/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$2,234,167 · Scale 2, in force from 26 Feb 2026)