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$119,635
−HK$7,502/mo
▼ 0.25% · 3.875%
HK$123,356
−HK$3,781/mo
Today · 4.125%
HK$127,137
baseline
▲ 0.50% · 4.625%
HK$134,873
+HK$7,736/mo
Deposit HK$26.23M · loan HK$26.23M · min. income ≈ HK$254,274/mo (50% DSR)
Upfront cash ≈ HK$28.46M (deposit + AVD stamp duty HK$2,229,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,092
−HK$7,191/mo
▼ 0.25% · 3.875%
HK$136,662
−HK$3,621/mo
Today · 4.125%
HK$140,283
baseline
▲ 0.50% · 4.625%
HK$147,678
+HK$7,395/mo
Deposit HK$26.23M · loan HK$26.23M · min. income ≈ HK$280,566/mo (50% DSR)
Upfront cash ≈ HK$28.46M (deposit + AVD stamp duty HK$2,229,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,562
−HK$9,002/mo
▼ 0.25% · 3.875%
HK$148,027
−HK$4,537/mo
Today · 4.125%
HK$152,564
baseline
▲ 0.50% · 4.625%
HK$161,847
+HK$9,283/mo
Deposit HK$20.99M · loan HK$31.48M · min. income ≈ HK$305,128/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$2,229,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,711
−HK$8,629/mo
▼ 0.25% · 3.875%
HK$163,994
−HK$4,346/mo
Today · 4.125%
HK$168,340
baseline
▲ 0.50% · 4.625%
HK$177,213
+HK$8,873/mo
Deposit HK$20.99M · loan HK$31.48M · min. income ≈ HK$336,680/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$2,229,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,489
−HK$10,503/mo
▼ 0.25% · 3.875%
HK$172,699
−HK$5,293/mo
Today · 4.125%
HK$177,992
baseline
▲ 0.50% · 4.625%
HK$188,822
+HK$10,830/mo
Deposit HK$15.74M · loan HK$36.73M · min. income ≈ HK$355,984/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$2,229,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,329
−HK$10,067/mo
▼ 0.25% · 3.875%
HK$191,327
−HK$5,069/mo
Today · 4.125%
HK$196,396
baseline
▲ 0.50% · 4.625%
HK$206,749
+HK$10,353/mo
Deposit HK$15.74M · loan HK$36.73M · min. income ≈ HK$392,792/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$2,229,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,343
−HK$13,503/mo
▼ 0.25% · 3.875%
HK$222,041
−HK$6,805/mo
Today · 4.125%
HK$228,846
baseline
▲ 0.50% · 4.625%
HK$242,771
+HK$13,925/mo
Deposit HK$5.25M · loan HK$47.22M · min. income ≈ HK$457,692/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$2,229,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,566
−HK$12,943/mo
▼ 0.25% · 3.875%
HK$245,992
−HK$6,517/mo
Today · 4.125%
HK$252,509
baseline
▲ 0.50% · 4.625%
HK$265,820
+HK$13,311/mo
Deposit HK$5.25M · loan HK$47.22M · min. income ≈ HK$505,018/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$2,229,784 · Scale 2, in force from 26 Feb 2026)