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$119,284
−HK$7,480/mo
▼ 0.25% · 3.875%
HK$122,994
−HK$3,770/mo
Today · 4.125%
HK$126,764
baseline
▲ 0.50% · 4.625%
HK$134,477
+HK$7,713/mo
Deposit HK$26.16M · loan HK$26.16M · min. income ≈ HK$253,528/mo (50% DSR)
Upfront cash ≈ HK$28.38M (deposit + AVD stamp duty HK$2,223,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,702
−HK$7,169/mo
▼ 0.25% · 3.875%
HK$136,261
−HK$3,610/mo
Today · 4.125%
HK$139,871
baseline
▲ 0.50% · 4.625%
HK$147,244
+HK$7,373/mo
Deposit HK$26.16M · loan HK$26.16M · min. income ≈ HK$279,742/mo (50% DSR)
Upfront cash ≈ HK$28.38M (deposit + AVD stamp duty HK$2,223,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,140
−HK$8,977/mo
▼ 0.25% · 3.875%
HK$147,593
−HK$4,524/mo
Today · 4.125%
HK$152,117
baseline
▲ 0.50% · 4.625%
HK$161,372
+HK$9,255/mo
Deposit HK$20.92M · loan HK$31.39M · min. income ≈ HK$304,234/mo (50% DSR)
Upfront cash ≈ HK$23.15M (deposit + AVD stamp duty HK$2,223,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,242
−HK$8,604/mo
▼ 0.25% · 3.875%
HK$163,513
−HK$4,333/mo
Today · 4.125%
HK$167,846
baseline
▲ 0.50% · 4.625%
HK$176,693
+HK$8,847/mo
Deposit HK$20.92M · loan HK$31.39M · min. income ≈ HK$335,692/mo (50% DSR)
Upfront cash ≈ HK$23.15M (deposit + AVD stamp duty HK$2,223,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,997
−HK$10,472/mo
▼ 0.25% · 3.875%
HK$172,192
−HK$5,277/mo
Today · 4.125%
HK$177,469
baseline
▲ 0.50% · 4.625%
HK$188,268
+HK$10,799/mo
Deposit HK$15.69M · loan HK$36.62M · min. income ≈ HK$354,938/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$2,223,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,783
−HK$10,037/mo
▼ 0.25% · 3.875%
HK$190,765
−HK$5,055/mo
Today · 4.125%
HK$195,820
baseline
▲ 0.50% · 4.625%
HK$206,142
+HK$10,322/mo
Deposit HK$15.69M · loan HK$36.62M · min. income ≈ HK$391,640/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$2,223,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,711
−HK$13,464/mo
▼ 0.25% · 3.875%
HK$221,389
−HK$6,786/mo
Today · 4.125%
HK$228,175
baseline
▲ 0.50% · 4.625%
HK$242,059
+HK$13,884/mo
Deposit HK$5.23M · loan HK$47.08M · min. income ≈ HK$456,350/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$2,223,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,863
−HK$12,905/mo
▼ 0.25% · 3.875%
HK$245,270
−HK$6,498/mo
Today · 4.125%
HK$251,768
baseline
▲ 0.50% · 4.625%
HK$265,039
+HK$13,271/mo
Deposit HK$5.23M · loan HK$47.08M · min. income ≈ HK$503,536/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$2,223,240 · Scale 2, in force from 26 Feb 2026)