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$120,291
−HK$7,543/mo
▼ 0.25% · 3.875%
HK$124,033
−HK$3,801/mo
Today · 4.125%
HK$127,834
baseline
▲ 0.50% · 4.625%
HK$135,613
+HK$7,779/mo
Deposit HK$26.38M · loan HK$26.38M · min. income ≈ HK$255,668/mo (50% DSR)
Upfront cash ≈ HK$28.62M (deposit + AVD stamp duty HK$2,242,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,823
−HK$7,230/mo
▼ 0.25% · 3.875%
HK$137,412
−HK$3,641/mo
Today · 4.125%
HK$141,053
baseline
▲ 0.50% · 4.625%
HK$148,488
+HK$7,435/mo
Deposit HK$26.38M · loan HK$26.38M · min. income ≈ HK$282,106/mo (50% DSR)
Upfront cash ≈ HK$28.62M (deposit + AVD stamp duty HK$2,242,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,349
−HK$9,052/mo
▼ 0.25% · 3.875%
HK$148,839
−HK$4,562/mo
Today · 4.125%
HK$153,401
baseline
▲ 0.50% · 4.625%
HK$162,735
+HK$9,334/mo
Deposit HK$21.10M · loan HK$31.65M · min. income ≈ HK$306,802/mo (50% DSR)
Upfront cash ≈ HK$23.34M (deposit + AVD stamp duty HK$2,242,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,587
−HK$8,676/mo
▼ 0.25% · 3.875%
HK$164,894
−HK$4,369/mo
Today · 4.125%
HK$169,263
baseline
▲ 0.50% · 4.625%
HK$178,185
+HK$8,922/mo
Deposit HK$21.10M · loan HK$31.65M · min. income ≈ HK$338,526/mo (50% DSR)
Upfront cash ≈ HK$23.34M (deposit + AVD stamp duty HK$2,242,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,408
−HK$10,560/mo
▼ 0.25% · 3.875%
HK$173,646
−HK$5,322/mo
Today · 4.125%
HK$178,968
baseline
▲ 0.50% · 4.625%
HK$189,858
+HK$10,890/mo
Deposit HK$15.83M · loan HK$36.93M · min. income ≈ HK$357,936/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$2,242,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,352
−HK$10,122/mo
▼ 0.25% · 3.875%
HK$192,376
−HK$5,098/mo
Today · 4.125%
HK$197,474
baseline
▲ 0.50% · 4.625%
HK$207,883
+HK$10,409/mo
Deposit HK$15.83M · loan HK$36.93M · min. income ≈ HK$394,948/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$2,242,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,524
−HK$13,578/mo
▼ 0.25% · 3.875%
HK$223,259
−HK$6,843/mo
Today · 4.125%
HK$230,102
baseline
▲ 0.50% · 4.625%
HK$244,103
+HK$14,001/mo
Deposit HK$5.28M · loan HK$47.48M · min. income ≈ HK$460,204/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$2,242,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,881
−HK$13,014/mo
▼ 0.25% · 3.875%
HK$247,341
−HK$6,554/mo
Today · 4.125%
HK$253,895
baseline
▲ 0.50% · 4.625%
HK$267,278
+HK$13,383/mo
Deposit HK$5.28M · loan HK$47.48M · min. income ≈ HK$507,790/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$2,242,017 · Scale 2, in force from 26 Feb 2026)