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$118,848
−HK$7,453/mo
▼ 0.25% · 3.875%
HK$122,545
−HK$3,756/mo
Today · 4.125%
HK$126,301
baseline
▲ 0.50% · 4.625%
HK$133,986
+HK$7,685/mo
Deposit HK$26.06M · loan HK$26.06M · min. income ≈ HK$252,602/mo (50% DSR)
Upfront cash ≈ HK$28.28M (deposit + AVD stamp duty HK$2,215,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,217
−HK$7,143/mo
▼ 0.25% · 3.875%
HK$135,763
−HK$3,597/mo
Today · 4.125%
HK$139,360
baseline
▲ 0.50% · 4.625%
HK$146,706
+HK$7,346/mo
Deposit HK$26.06M · loan HK$26.06M · min. income ≈ HK$278,720/mo (50% DSR)
Upfront cash ≈ HK$28.28M (deposit + AVD stamp duty HK$2,215,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,617
−HK$8,944/mo
▼ 0.25% · 3.875%
HK$147,054
−HK$4,507/mo
Today · 4.125%
HK$151,561
baseline
▲ 0.50% · 4.625%
HK$160,783
+HK$9,222/mo
Deposit HK$20.85M · loan HK$31.27M · min. income ≈ HK$303,122/mo (50% DSR)
Upfront cash ≈ HK$23.06M (deposit + AVD stamp duty HK$2,215,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,661
−HK$8,571/mo
▼ 0.25% · 3.875%
HK$162,916
−HK$4,316/mo
Today · 4.125%
HK$167,232
baseline
▲ 0.50% · 4.625%
HK$176,048
+HK$8,816/mo
Deposit HK$20.85M · loan HK$31.27M · min. income ≈ HK$334,464/mo (50% DSR)
Upfront cash ≈ HK$23.06M (deposit + AVD stamp duty HK$2,215,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,387
−HK$10,434/mo
▼ 0.25% · 3.875%
HK$171,563
−HK$5,258/mo
Today · 4.125%
HK$176,821
baseline
▲ 0.50% · 4.625%
HK$187,580
+HK$10,759/mo
Deposit HK$15.64M · loan HK$36.48M · min. income ≈ HK$353,642/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$2,215,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,104
−HK$10,001/mo
▼ 0.25% · 3.875%
HK$190,068
−HK$5,037/mo
Today · 4.125%
HK$195,105
baseline
▲ 0.50% · 4.625%
HK$205,389
+HK$10,284/mo
Deposit HK$15.64M · loan HK$36.48M · min. income ≈ HK$390,210/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$2,215,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,926
−HK$13,415/mo
▼ 0.25% · 3.875%
HK$220,581
−HK$6,760/mo
Today · 4.125%
HK$227,341
baseline
▲ 0.50% · 4.625%
HK$241,174
+HK$13,833/mo
Deposit HK$5.21M · loan HK$46.91M · min. income ≈ HK$454,682/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$2,215,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,991
−HK$12,858/mo
▼ 0.25% · 3.875%
HK$244,374
−HK$6,475/mo
Today · 4.125%
HK$250,849
baseline
▲ 0.50% · 4.625%
HK$264,071
+HK$13,222/mo
Deposit HK$5.21M · loan HK$46.91M · min. income ≈ HK$501,698/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$2,215,118 · Scale 2, in force from 26 Feb 2026)