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$118,750
−HK$7,447/mo
▼ 0.25% · 3.875%
HK$122,444
−HK$3,753/mo
Today · 4.125%
HK$126,197
baseline
▲ 0.50% · 4.625%
HK$133,876
+HK$7,679/mo
Deposit HK$26.04M · loan HK$26.04M · min. income ≈ HK$252,394/mo (50% DSR)
Upfront cash ≈ HK$28.25M (deposit + AVD stamp duty HK$2,213,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,109
−HK$7,137/mo
▼ 0.25% · 3.875%
HK$135,652
−HK$3,594/mo
Today · 4.125%
HK$139,246
baseline
▲ 0.50% · 4.625%
HK$146,586
+HK$7,340/mo
Deposit HK$26.04M · loan HK$26.04M · min. income ≈ HK$278,492/mo (50% DSR)
Upfront cash ≈ HK$28.25M (deposit + AVD stamp duty HK$2,213,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,500
−HK$8,936/mo
▼ 0.25% · 3.875%
HK$146,933
−HK$4,503/mo
Today · 4.125%
HK$151,436
baseline
▲ 0.50% · 4.625%
HK$160,651
+HK$9,215/mo
Deposit HK$20.83M · loan HK$31.25M · min. income ≈ HK$302,872/mo (50% DSR)
Upfront cash ≈ HK$23.04M (deposit + AVD stamp duty HK$2,213,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,530
−HK$8,565/mo
▼ 0.25% · 3.875%
HK$162,782
−HK$4,313/mo
Today · 4.125%
HK$167,095
baseline
▲ 0.50% · 4.625%
HK$175,903
+HK$8,808/mo
Deposit HK$20.83M · loan HK$31.25M · min. income ≈ HK$334,190/mo (50% DSR)
Upfront cash ≈ HK$23.04M (deposit + AVD stamp duty HK$2,213,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,250
−HK$10,426/mo
▼ 0.25% · 3.875%
HK$171,422
−HK$5,254/mo
Today · 4.125%
HK$176,676
baseline
▲ 0.50% · 4.625%
HK$187,426
+HK$10,750/mo
Deposit HK$15.62M · loan HK$36.45M · min. income ≈ HK$353,352/mo (50% DSR)
Upfront cash ≈ HK$17.84M (deposit + AVD stamp duty HK$2,213,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,952
−HK$9,992/mo
▼ 0.25% · 3.875%
HK$189,912
−HK$5,032/mo
Today · 4.125%
HK$194,944
baseline
▲ 0.50% · 4.625%
HK$205,220
+HK$10,276/mo
Deposit HK$15.62M · loan HK$36.45M · min. income ≈ HK$389,888/mo (50% DSR)
Upfront cash ≈ HK$17.84M (deposit + AVD stamp duty HK$2,213,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,751
−HK$13,404/mo
▼ 0.25% · 3.875%
HK$220,399
−HK$6,756/mo
Today · 4.125%
HK$227,155
baseline
▲ 0.50% · 4.625%
HK$240,976
+HK$13,821/mo
Deposit HK$5.21M · loan HK$46.87M · min. income ≈ HK$454,310/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$2,213,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,795
−HK$12,848/mo
▼ 0.25% · 3.875%
HK$244,173
−HK$6,470/mo
Today · 4.125%
HK$250,643
baseline
▲ 0.50% · 4.625%
HK$263,854
+HK$13,211/mo
Deposit HK$5.21M · loan HK$46.87M · min. income ≈ HK$501,286/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$2,213,299 · Scale 2, in force from 26 Feb 2026)