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$120,316
−HK$7,544/mo
▼ 0.25% · 3.875%
HK$124,058
−HK$3,802/mo
Today · 4.125%
HK$127,860
baseline
▲ 0.50% · 4.625%
HK$135,640
+HK$7,780/mo
Deposit HK$26.38M · loan HK$26.38M · min. income ≈ HK$255,720/mo (50% DSR)
Upfront cash ≈ HK$28.62M (deposit + AVD stamp duty HK$2,242,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,850
−HK$7,231/mo
▼ 0.25% · 3.875%
HK$137,440
−HK$3,641/mo
Today · 4.125%
HK$141,081
baseline
▲ 0.50% · 4.625%
HK$148,518
+HK$7,437/mo
Deposit HK$26.38M · loan HK$26.38M · min. income ≈ HK$282,162/mo (50% DSR)
Upfront cash ≈ HK$28.62M (deposit + AVD stamp duty HK$2,242,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,379
−HK$9,053/mo
▼ 0.25% · 3.875%
HK$148,870
−HK$4,562/mo
Today · 4.125%
HK$153,432
baseline
▲ 0.50% · 4.625%
HK$162,768
+HK$9,336/mo
Deposit HK$21.11M · loan HK$31.66M · min. income ≈ HK$306,864/mo (50% DSR)
Upfront cash ≈ HK$23.35M (deposit + AVD stamp duty HK$2,242,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,620
−HK$8,678/mo
▼ 0.25% · 3.875%
HK$164,928
−HK$4,370/mo
Today · 4.125%
HK$169,298
baseline
▲ 0.50% · 4.625%
HK$178,222
+HK$8,924/mo
Deposit HK$21.11M · loan HK$31.66M · min. income ≈ HK$338,596/mo (50% DSR)
Upfront cash ≈ HK$23.35M (deposit + AVD stamp duty HK$2,242,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,442
−HK$10,563/mo
▼ 0.25% · 3.875%
HK$173,681
−HK$5,324/mo
Today · 4.125%
HK$179,005
baseline
▲ 0.50% · 4.625%
HK$189,897
+HK$10,892/mo
Deposit HK$15.83M · loan HK$36.93M · min. income ≈ HK$358,010/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$2,242,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,390
−HK$10,124/mo
▼ 0.25% · 3.875%
HK$192,415
−HK$5,099/mo
Today · 4.125%
HK$197,514
baseline
▲ 0.50% · 4.625%
HK$207,925
+HK$10,411/mo
Deposit HK$15.83M · loan HK$36.93M · min. income ≈ HK$395,028/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$2,242,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,568
−HK$13,581/mo
▼ 0.25% · 3.875%
HK$223,304
−HK$6,845/mo
Today · 4.125%
HK$230,149
baseline
▲ 0.50% · 4.625%
HK$244,153
+HK$14,004/mo
Deposit HK$5.28M · loan HK$47.49M · min. income ≈ HK$460,298/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$2,242,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,930
−HK$13,016/mo
▼ 0.25% · 3.875%
HK$247,391
−HK$6,555/mo
Today · 4.125%
HK$253,946
baseline
▲ 0.50% · 4.625%
HK$267,332
+HK$13,386/mo
Deposit HK$5.28M · loan HK$47.49M · min. income ≈ HK$507,892/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$2,242,472 · Scale 2, in force from 26 Feb 2026)