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$118,707
−HK$7,443/mo
▼ 0.25% · 3.875%
HK$122,399
−HK$3,751/mo
Today · 4.125%
HK$126,150
baseline
▲ 0.50% · 4.625%
HK$133,826
+HK$7,676/mo
Deposit HK$26.03M · loan HK$26.03M · min. income ≈ HK$252,300/mo (50% DSR)
Upfront cash ≈ HK$28.24M (deposit + AVD stamp duty HK$2,212,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,060
−HK$7,135/mo
▼ 0.25% · 3.875%
HK$135,602
−HK$3,593/mo
Today · 4.125%
HK$139,195
baseline
▲ 0.50% · 4.625%
HK$146,532
+HK$7,337/mo
Deposit HK$26.03M · loan HK$26.03M · min. income ≈ HK$278,390/mo (50% DSR)
Upfront cash ≈ HK$28.24M (deposit + AVD stamp duty HK$2,212,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,448
−HK$8,933/mo
▼ 0.25% · 3.875%
HK$146,879
−HK$4,502/mo
Today · 4.125%
HK$151,381
baseline
▲ 0.50% · 4.625%
HK$160,592
+HK$9,211/mo
Deposit HK$20.82M · loan HK$31.24M · min. income ≈ HK$302,762/mo (50% DSR)
Upfront cash ≈ HK$23.04M (deposit + AVD stamp duty HK$2,212,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,472
−HK$8,562/mo
▼ 0.25% · 3.875%
HK$162,722
−HK$4,312/mo
Today · 4.125%
HK$167,034
baseline
▲ 0.50% · 4.625%
HK$175,838
+HK$8,804/mo
Deposit HK$20.82M · loan HK$31.24M · min. income ≈ HK$334,068/mo (50% DSR)
Upfront cash ≈ HK$23.04M (deposit + AVD stamp duty HK$2,212,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,189
−HK$10,422/mo
▼ 0.25% · 3.875%
HK$171,359
−HK$5,252/mo
Today · 4.125%
HK$176,611
baseline
▲ 0.50% · 4.625%
HK$187,357
+HK$10,746/mo
Deposit HK$15.62M · loan HK$36.44M · min. income ≈ HK$353,222/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$2,212,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,884
−HK$9,988/mo
▼ 0.25% · 3.875%
HK$189,842
−HK$5,030/mo
Today · 4.125%
HK$194,872
baseline
▲ 0.50% · 4.625%
HK$205,144
+HK$10,272/mo
Deposit HK$15.62M · loan HK$36.44M · min. income ≈ HK$389,744/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$2,212,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,672
−HK$13,399/mo
▼ 0.25% · 3.875%
HK$220,318
−HK$6,753/mo
Today · 4.125%
HK$227,071
baseline
▲ 0.50% · 4.625%
HK$240,888
+HK$13,817/mo
Deposit HK$5.21M · loan HK$46.85M · min. income ≈ HK$454,142/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$2,212,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,708
−HK$12,842/mo
▼ 0.25% · 3.875%
HK$244,083
−HK$6,467/mo
Today · 4.125%
HK$250,550
baseline
▲ 0.50% · 4.625%
HK$263,757
+HK$13,207/mo
Deposit HK$5.21M · loan HK$46.85M · min. income ≈ HK$501,100/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$2,212,483 · Scale 2, in force from 26 Feb 2026)