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$120,640
−HK$7,565/mo
▼ 0.25% · 3.875%
HK$124,393
−HK$3,812/mo
Today · 4.125%
HK$128,205
baseline
▲ 0.50% · 4.625%
HK$136,006
+HK$7,801/mo
Deposit HK$26.45M · loan HK$26.45M · min. income ≈ HK$256,410/mo (50% DSR)
Upfront cash ≈ HK$28.70M (deposit + AVD stamp duty HK$2,248,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,211
−HK$7,251/mo
▼ 0.25% · 3.875%
HK$137,810
−HK$3,652/mo
Today · 4.125%
HK$141,462
baseline
▲ 0.50% · 4.625%
HK$148,919
+HK$7,457/mo
Deposit HK$26.45M · loan HK$26.45M · min. income ≈ HK$282,924/mo (50% DSR)
Upfront cash ≈ HK$28.70M (deposit + AVD stamp duty HK$2,248,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,768
−HK$9,078/mo
▼ 0.25% · 3.875%
HK$149,271
−HK$4,575/mo
Today · 4.125%
HK$153,846
baseline
▲ 0.50% · 4.625%
HK$163,208
+HK$9,362/mo
Deposit HK$21.16M · loan HK$31.74M · min. income ≈ HK$307,692/mo (50% DSR)
Upfront cash ≈ HK$23.41M (deposit + AVD stamp duty HK$2,248,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,053
−HK$8,701/mo
▼ 0.25% · 3.875%
HK$165,372
−HK$4,382/mo
Today · 4.125%
HK$169,754
baseline
▲ 0.50% · 4.625%
HK$178,702
+HK$8,948/mo
Deposit HK$21.16M · loan HK$31.74M · min. income ≈ HK$339,508/mo (50% DSR)
Upfront cash ≈ HK$23.41M (deposit + AVD stamp duty HK$2,248,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,896
−HK$10,591/mo
▼ 0.25% · 3.875%
HK$174,150
−HK$5,337/mo
Today · 4.125%
HK$179,487
baseline
▲ 0.50% · 4.625%
HK$190,409
+HK$10,922/mo
Deposit HK$15.87M · loan HK$37.03M · min. income ≈ HK$358,974/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$2,248,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,895
−HK$10,152/mo
▼ 0.25% · 3.875%
HK$192,935
−HK$5,112/mo
Today · 4.125%
HK$198,047
baseline
▲ 0.50% · 4.625%
HK$208,486
+HK$10,439/mo
Deposit HK$15.87M · loan HK$37.03M · min. income ≈ HK$396,094/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$2,248,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,152
−HK$13,618/mo
▼ 0.25% · 3.875%
HK$223,907
−HK$6,863/mo
Today · 4.125%
HK$230,770
baseline
▲ 0.50% · 4.625%
HK$244,811
+HK$14,041/mo
Deposit HK$5.29M · loan HK$47.62M · min. income ≈ HK$461,540/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$2,248,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,580
−HK$13,051/mo
▼ 0.25% · 3.875%
HK$248,059
−HK$6,572/mo
Today · 4.125%
HK$254,631
baseline
▲ 0.50% · 4.625%
HK$268,053
+HK$13,422/mo
Deposit HK$5.29M · loan HK$47.62M · min. income ≈ HK$509,262/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$2,248,522 · Scale 2, in force from 26 Feb 2026)