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$120,144
−HK$7,534/mo
▼ 0.25% · 3.875%
HK$123,881
−HK$3,797/mo
Today · 4.125%
HK$127,678
baseline
▲ 0.50% · 4.625%
HK$135,447
+HK$7,769/mo
Deposit HK$26.34M · loan HK$26.34M · min. income ≈ HK$255,356/mo (50% DSR)
Upfront cash ≈ HK$28.58M (deposit + AVD stamp duty HK$2,239,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,659
−HK$7,221/mo
▼ 0.25% · 3.875%
HK$137,243
−HK$3,637/mo
Today · 4.125%
HK$140,880
baseline
▲ 0.50% · 4.625%
HK$148,306
+HK$7,426/mo
Deposit HK$26.34M · loan HK$26.34M · min. income ≈ HK$281,760/mo (50% DSR)
Upfront cash ≈ HK$28.58M (deposit + AVD stamp duty HK$2,239,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,173
−HK$9,040/mo
▼ 0.25% · 3.875%
HK$148,657
−HK$4,556/mo
Today · 4.125%
HK$153,213
baseline
▲ 0.50% · 4.625%
HK$162,536
+HK$9,323/mo
Deposit HK$21.08M · loan HK$31.61M · min. income ≈ HK$306,426/mo (50% DSR)
Upfront cash ≈ HK$23.31M (deposit + AVD stamp duty HK$2,239,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,390
−HK$8,666/mo
▼ 0.25% · 3.875%
HK$164,692
−HK$4,364/mo
Today · 4.125%
HK$169,056
baseline
▲ 0.50% · 4.625%
HK$177,967
+HK$8,911/mo
Deposit HK$21.08M · loan HK$31.61M · min. income ≈ HK$338,112/mo (50% DSR)
Upfront cash ≈ HK$23.31M (deposit + AVD stamp duty HK$2,239,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,201
−HK$10,548/mo
▼ 0.25% · 3.875%
HK$173,433
−HK$5,316/mo
Today · 4.125%
HK$178,749
baseline
▲ 0.50% · 4.625%
HK$189,625
+HK$10,876/mo
Deposit HK$15.81M · loan HK$36.88M · min. income ≈ HK$357,498/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$2,239,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,122
−HK$10,110/mo
▼ 0.25% · 3.875%
HK$192,141
−HK$5,091/mo
Today · 4.125%
HK$197,232
baseline
▲ 0.50% · 4.625%
HK$207,628
+HK$10,396/mo
Deposit HK$15.81M · loan HK$36.88M · min. income ≈ HK$394,464/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$2,239,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,259
−HK$13,561/mo
▼ 0.25% · 3.875%
HK$222,986
−HK$6,834/mo
Today · 4.125%
HK$229,820
baseline
▲ 0.50% · 4.625%
HK$243,804
+HK$13,984/mo
Deposit HK$5.27M · loan HK$47.42M · min. income ≈ HK$459,640/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$2,239,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,586
−HK$12,998/mo
▼ 0.25% · 3.875%
HK$247,038
−HK$6,546/mo
Today · 4.125%
HK$253,584
baseline
▲ 0.50% · 4.625%
HK$266,951
+HK$13,367/mo
Deposit HK$5.27M · loan HK$47.42M · min. income ≈ HK$507,168/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$2,239,271 · Scale 2, in force from 26 Feb 2026)