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$118,763
−HK$7,448/mo
▼ 0.25% · 3.875%
HK$122,457
−HK$3,754/mo
Today · 4.125%
HK$126,211
baseline
▲ 0.50% · 4.625%
HK$133,890
+HK$7,679/mo
Deposit HK$26.04M · loan HK$26.04M · min. income ≈ HK$252,422/mo (50% DSR)
Upfront cash ≈ HK$28.26M (deposit + AVD stamp duty HK$2,213,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,123
−HK$7,138/mo
▼ 0.25% · 3.875%
HK$135,666
−HK$3,595/mo
Today · 4.125%
HK$139,261
baseline
▲ 0.50% · 4.625%
HK$146,602
+HK$7,341/mo
Deposit HK$26.04M · loan HK$26.04M · min. income ≈ HK$278,522/mo (50% DSR)
Upfront cash ≈ HK$28.26M (deposit + AVD stamp duty HK$2,213,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,516
−HK$8,937/mo
▼ 0.25% · 3.875%
HK$146,949
−HK$4,504/mo
Today · 4.125%
HK$151,453
baseline
▲ 0.50% · 4.625%
HK$160,668
+HK$9,215/mo
Deposit HK$20.83M · loan HK$31.25M · min. income ≈ HK$302,906/mo (50% DSR)
Upfront cash ≈ HK$23.05M (deposit + AVD stamp duty HK$2,213,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,547
−HK$8,566/mo
▼ 0.25% · 3.875%
HK$162,800
−HK$4,313/mo
Today · 4.125%
HK$167,113
baseline
▲ 0.50% · 4.625%
HK$175,922
+HK$8,809/mo
Deposit HK$20.83M · loan HK$31.25M · min. income ≈ HK$334,226/mo (50% DSR)
Upfront cash ≈ HK$23.05M (deposit + AVD stamp duty HK$2,213,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,268
−HK$10,427/mo
▼ 0.25% · 3.875%
HK$171,440
−HK$5,255/mo
Today · 4.125%
HK$176,695
baseline
▲ 0.50% · 4.625%
HK$187,446
+HK$10,751/mo
Deposit HK$15.62M · loan HK$36.46M · min. income ≈ HK$353,390/mo (50% DSR)
Upfront cash ≈ HK$17.84M (deposit + AVD stamp duty HK$2,213,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,972
−HK$9,993/mo
▼ 0.25% · 3.875%
HK$189,933
−HK$5,032/mo
Today · 4.125%
HK$194,965
baseline
▲ 0.50% · 4.625%
HK$205,242
+HK$10,277/mo
Deposit HK$15.62M · loan HK$36.46M · min. income ≈ HK$389,930/mo (50% DSR)
Upfront cash ≈ HK$17.84M (deposit + AVD stamp duty HK$2,213,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,774
−HK$13,405/mo
▼ 0.25% · 3.875%
HK$220,423
−HK$6,756/mo
Today · 4.125%
HK$227,179
baseline
▲ 0.50% · 4.625%
HK$241,003
+HK$13,824/mo
Deposit HK$5.21M · loan HK$46.87M · min. income ≈ HK$454,358/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$2,213,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,821
−HK$12,849/mo
▼ 0.25% · 3.875%
HK$244,199
−HK$6,471/mo
Today · 4.125%
HK$250,670
baseline
▲ 0.50% · 4.625%
HK$263,883
+HK$13,213/mo
Deposit HK$5.21M · loan HK$46.87M · min. income ≈ HK$501,340/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$2,213,539 · Scale 2, in force from 26 Feb 2026)