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$119,381
−HK$7,486/mo
▼ 0.25% · 3.875%
HK$123,094
−HK$3,773/mo
Today · 4.125%
HK$126,867
baseline
▲ 0.50% · 4.625%
HK$134,587
+HK$7,720/mo
Deposit HK$26.18M · loan HK$26.18M · min. income ≈ HK$253,734/mo (50% DSR)
Upfront cash ≈ HK$28.40M (deposit + AVD stamp duty HK$2,225,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,810
−HK$7,175/mo
▼ 0.25% · 3.875%
HK$136,372
−HK$3,613/mo
Today · 4.125%
HK$139,985
baseline
▲ 0.50% · 4.625%
HK$147,364
+HK$7,379/mo
Deposit HK$26.18M · loan HK$26.18M · min. income ≈ HK$279,970/mo (50% DSR)
Upfront cash ≈ HK$28.40M (deposit + AVD stamp duty HK$2,225,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,257
−HK$8,984/mo
▼ 0.25% · 3.875%
HK$147,713
−HK$4,528/mo
Today · 4.125%
HK$152,241
baseline
▲ 0.50% · 4.625%
HK$161,504
+HK$9,263/mo
Deposit HK$20.94M · loan HK$31.41M · min. income ≈ HK$304,482/mo (50% DSR)
Upfront cash ≈ HK$23.17M (deposit + AVD stamp duty HK$2,225,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,372
−HK$8,611/mo
▼ 0.25% · 3.875%
HK$163,646
−HK$4,337/mo
Today · 4.125%
HK$167,983
baseline
▲ 0.50% · 4.625%
HK$176,837
+HK$8,854/mo
Deposit HK$20.94M · loan HK$31.41M · min. income ≈ HK$335,966/mo (50% DSR)
Upfront cash ≈ HK$23.17M (deposit + AVD stamp duty HK$2,225,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,133
−HK$10,481/mo
▼ 0.25% · 3.875%
HK$172,332
−HK$5,282/mo
Today · 4.125%
HK$177,614
baseline
▲ 0.50% · 4.625%
HK$188,422
+HK$10,808/mo
Deposit HK$15.71M · loan HK$36.65M · min. income ≈ HK$355,228/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$2,225,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,934
−HK$10,046/mo
▼ 0.25% · 3.875%
HK$190,921
−HK$5,059/mo
Today · 4.125%
HK$195,980
baseline
▲ 0.50% · 4.625%
HK$206,310
+HK$10,330/mo
Deposit HK$15.71M · loan HK$36.65M · min. income ≈ HK$391,960/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$2,225,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,886
−HK$13,475/mo
▼ 0.25% · 3.875%
HK$221,570
−HK$6,791/mo
Today · 4.125%
HK$228,361
baseline
▲ 0.50% · 4.625%
HK$242,256
+HK$13,895/mo
Deposit HK$5.24M · loan HK$47.12M · min. income ≈ HK$456,722/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$2,225,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,058
−HK$12,916/mo
▼ 0.25% · 3.875%
HK$245,470
−HK$6,504/mo
Today · 4.125%
HK$251,974
baseline
▲ 0.50% · 4.625%
HK$265,256
+HK$13,282/mo
Deposit HK$5.24M · loan HK$47.12M · min. income ≈ HK$503,948/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$2,225,054 · Scale 2, in force from 26 Feb 2026)