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$120,437
−HK$7,553/mo
▼ 0.25% · 3.875%
HK$124,183
−HK$3,807/mo
Today · 4.125%
HK$127,990
baseline
▲ 0.50% · 4.625%
HK$135,778
+HK$7,788/mo
Deposit HK$26.41M · loan HK$26.41M · min. income ≈ HK$255,980/mo (50% DSR)
Upfront cash ≈ HK$28.65M (deposit + AVD stamp duty HK$2,244,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,985
−HK$7,239/mo
▼ 0.25% · 3.875%
HK$137,579
−HK$3,645/mo
Today · 4.125%
HK$141,224
baseline
▲ 0.50% · 4.625%
HK$148,668
+HK$7,444/mo
Deposit HK$26.41M · loan HK$26.41M · min. income ≈ HK$282,448/mo (50% DSR)
Upfront cash ≈ HK$28.65M (deposit + AVD stamp duty HK$2,244,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,525
−HK$9,063/mo
▼ 0.25% · 3.875%
HK$149,020
−HK$4,568/mo
Today · 4.125%
HK$153,588
baseline
▲ 0.50% · 4.625%
HK$162,933
+HK$9,345/mo
Deposit HK$21.13M · loan HK$31.69M · min. income ≈ HK$307,176/mo (50% DSR)
Upfront cash ≈ HK$23.37M (deposit + AVD stamp duty HK$2,244,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,782
−HK$8,687/mo
▼ 0.25% · 3.875%
HK$165,094
−HK$4,375/mo
Today · 4.125%
HK$169,469
baseline
▲ 0.50% · 4.625%
HK$178,402
+HK$8,933/mo
Deposit HK$21.13M · loan HK$31.69M · min. income ≈ HK$338,938/mo (50% DSR)
Upfront cash ≈ HK$23.37M (deposit + AVD stamp duty HK$2,244,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,612
−HK$10,574/mo
▼ 0.25% · 3.875%
HK$173,857
−HK$5,329/mo
Today · 4.125%
HK$179,186
baseline
▲ 0.50% · 4.625%
HK$190,089
+HK$10,903/mo
Deposit HK$15.85M · loan HK$36.97M · min. income ≈ HK$358,372/mo (50% DSR)
Upfront cash ≈ HK$18.09M (deposit + AVD stamp duty HK$2,244,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,579
−HK$10,135/mo
▼ 0.25% · 3.875%
HK$192,610
−HK$5,104/mo
Today · 4.125%
HK$197,714
baseline
▲ 0.50% · 4.625%
HK$208,135
+HK$10,421/mo
Deposit HK$15.85M · loan HK$36.97M · min. income ≈ HK$395,428/mo (50% DSR)
Upfront cash ≈ HK$18.09M (deposit + AVD stamp duty HK$2,244,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,787
−HK$13,594/mo
▼ 0.25% · 3.875%
HK$223,530
−HK$6,851/mo
Today · 4.125%
HK$230,381
baseline
▲ 0.50% · 4.625%
HK$244,400
+HK$14,019/mo
Deposit HK$5.28M · loan HK$47.54M · min. income ≈ HK$460,762/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$2,244,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,173
−HK$13,030/mo
▼ 0.25% · 3.875%
HK$247,641
−HK$6,562/mo
Today · 4.125%
HK$254,203
baseline
▲ 0.50% · 4.625%
HK$267,603
+HK$13,400/mo
Deposit HK$5.28M · loan HK$47.54M · min. income ≈ HK$508,406/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$2,244,739 · Scale 2, in force from 26 Feb 2026)