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$118,669
−HK$7,441/mo
▼ 0.25% · 3.875%
HK$122,360
−HK$3,750/mo
Today · 4.125%
HK$126,110
baseline
▲ 0.50% · 4.625%
HK$133,784
+HK$7,674/mo
Deposit HK$26.02M · loan HK$26.02M · min. income ≈ HK$252,220/mo (50% DSR)
Upfront cash ≈ HK$28.23M (deposit + AVD stamp duty HK$2,211,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,018
−HK$7,132/mo
▼ 0.25% · 3.875%
HK$135,559
−HK$3,591/mo
Today · 4.125%
HK$139,150
baseline
▲ 0.50% · 4.625%
HK$146,485
+HK$7,335/mo
Deposit HK$26.02M · loan HK$26.02M · min. income ≈ HK$278,300/mo (50% DSR)
Upfront cash ≈ HK$28.23M (deposit + AVD stamp duty HK$2,211,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,403
−HK$8,930/mo
▼ 0.25% · 3.875%
HK$146,832
−HK$4,501/mo
Today · 4.125%
HK$151,333
baseline
▲ 0.50% · 4.625%
HK$160,541
+HK$9,208/mo
Deposit HK$20.82M · loan HK$31.23M · min. income ≈ HK$302,666/mo (50% DSR)
Upfront cash ≈ HK$23.03M (deposit + AVD stamp duty HK$2,211,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,422
−HK$8,559/mo
▼ 0.25% · 3.875%
HK$162,670
−HK$4,311/mo
Today · 4.125%
HK$166,981
baseline
▲ 0.50% · 4.625%
HK$175,782
+HK$8,801/mo
Deposit HK$20.82M · loan HK$31.23M · min. income ≈ HK$333,962/mo (50% DSR)
Upfront cash ≈ HK$23.03M (deposit + AVD stamp duty HK$2,211,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,136
−HK$10,419/mo
▼ 0.25% · 3.875%
HK$171,304
−HK$5,251/mo
Today · 4.125%
HK$176,555
baseline
▲ 0.50% · 4.625%
HK$187,298
+HK$10,743/mo
Deposit HK$15.61M · loan HK$36.43M · min. income ≈ HK$353,110/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$2,211,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,825
−HK$9,986/mo
▼ 0.25% · 3.875%
HK$189,782
−HK$5,029/mo
Today · 4.125%
HK$194,811
baseline
▲ 0.50% · 4.625%
HK$205,079
+HK$10,268/mo
Deposit HK$15.61M · loan HK$36.43M · min. income ≈ HK$389,622/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$2,211,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,604
−HK$13,395/mo
▼ 0.25% · 3.875%
HK$220,248
−HK$6,751/mo
Today · 4.125%
HK$226,999
baseline
▲ 0.50% · 4.625%
HK$240,811
+HK$13,812/mo
Deposit HK$5.20M · loan HK$46.84M · min. income ≈ HK$453,998/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$2,211,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,632
−HK$12,839/mo
▼ 0.25% · 3.875%
HK$244,006
−HK$6,465/mo
Today · 4.125%
HK$250,471
baseline
▲ 0.50% · 4.625%
HK$263,674
+HK$13,203/mo
Deposit HK$5.20M · loan HK$46.84M · min. income ≈ HK$500,942/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$2,211,782 · Scale 2, in force from 26 Feb 2026)