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$118,770
−HK$7,448/mo
▼ 0.25% · 3.875%
HK$122,465
−HK$3,753/mo
Today · 4.125%
HK$126,218
baseline
▲ 0.50% · 4.625%
HK$133,898
+HK$7,680/mo
Deposit HK$26.04M · loan HK$26.04M · min. income ≈ HK$252,436/mo (50% DSR)
Upfront cash ≈ HK$28.26M (deposit + AVD stamp duty HK$2,213,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,131
−HK$7,138/mo
▼ 0.25% · 3.875%
HK$135,675
−HK$3,594/mo
Today · 4.125%
HK$139,269
baseline
▲ 0.50% · 4.625%
HK$146,611
+HK$7,342/mo
Deposit HK$26.04M · loan HK$26.04M · min. income ≈ HK$278,538/mo (50% DSR)
Upfront cash ≈ HK$28.26M (deposit + AVD stamp duty HK$2,213,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,524
−HK$8,938/mo
▼ 0.25% · 3.875%
HK$146,958
−HK$4,504/mo
Today · 4.125%
HK$151,462
baseline
▲ 0.50% · 4.625%
HK$160,678
+HK$9,216/mo
Deposit HK$20.83M · loan HK$31.25M · min. income ≈ HK$302,924/mo (50% DSR)
Upfront cash ≈ HK$23.05M (deposit + AVD stamp duty HK$2,213,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,557
−HK$8,566/mo
▼ 0.25% · 3.875%
HK$162,809
−HK$4,314/mo
Today · 4.125%
HK$167,123
baseline
▲ 0.50% · 4.625%
HK$175,933
+HK$8,810/mo
Deposit HK$20.83M · loan HK$31.25M · min. income ≈ HK$334,246/mo (50% DSR)
Upfront cash ≈ HK$23.05M (deposit + AVD stamp duty HK$2,213,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,279
−HK$10,427/mo
▼ 0.25% · 3.875%
HK$171,451
−HK$5,255/mo
Today · 4.125%
HK$176,706
baseline
▲ 0.50% · 4.625%
HK$187,458
+HK$10,752/mo
Deposit HK$15.63M · loan HK$36.46M · min. income ≈ HK$353,412/mo (50% DSR)
Upfront cash ≈ HK$17.84M (deposit + AVD stamp duty HK$2,213,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,983
−HK$9,994/mo
▼ 0.25% · 3.875%
HK$189,944
−HK$5,033/mo
Today · 4.125%
HK$194,977
baseline
▲ 0.50% · 4.625%
HK$205,255
+HK$10,278/mo
Deposit HK$15.63M · loan HK$36.46M · min. income ≈ HK$389,954/mo (50% DSR)
Upfront cash ≈ HK$17.84M (deposit + AVD stamp duty HK$2,213,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,787
−HK$13,406/mo
▼ 0.25% · 3.875%
HK$220,437
−HK$6,756/mo
Today · 4.125%
HK$227,193
baseline
▲ 0.50% · 4.625%
HK$241,017
+HK$13,824/mo
Deposit HK$5.21M · loan HK$46.88M · min. income ≈ HK$454,386/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$2,213,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,836
−HK$12,849/mo
▼ 0.25% · 3.875%
HK$244,214
−HK$6,471/mo
Today · 4.125%
HK$250,685
baseline
▲ 0.50% · 4.625%
HK$263,899
+HK$13,214/mo
Deposit HK$5.21M · loan HK$46.88M · min. income ≈ HK$501,370/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$2,213,673 · Scale 2, in force from 26 Feb 2026)