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$120,701
−HK$7,569/mo
▼ 0.25% · 3.875%
HK$124,455
−HK$3,815/mo
Today · 4.125%
HK$128,270
baseline
▲ 0.50% · 4.625%
HK$136,074
+HK$7,804/mo
Deposit HK$26.47M · loan HK$26.47M · min. income ≈ HK$256,540/mo (50% DSR)
Upfront cash ≈ HK$28.72M (deposit + AVD stamp duty HK$2,249,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,278
−HK$7,255/mo
▼ 0.25% · 3.875%
HK$137,879
−HK$3,654/mo
Today · 4.125%
HK$141,533
baseline
▲ 0.50% · 4.625%
HK$148,993
+HK$7,460/mo
Deposit HK$26.47M · loan HK$26.47M · min. income ≈ HK$283,066/mo (50% DSR)
Upfront cash ≈ HK$28.72M (deposit + AVD stamp duty HK$2,249,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,841
−HK$9,082/mo
▼ 0.25% · 3.875%
HK$149,346
−HK$4,577/mo
Today · 4.125%
HK$153,923
baseline
▲ 0.50% · 4.625%
HK$163,289
+HK$9,366/mo
Deposit HK$21.17M · loan HK$31.76M · min. income ≈ HK$307,846/mo (50% DSR)
Upfront cash ≈ HK$23.42M (deposit + AVD stamp duty HK$2,249,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,134
−HK$8,705/mo
▼ 0.25% · 3.875%
HK$165,455
−HK$4,384/mo
Today · 4.125%
HK$169,839
baseline
▲ 0.50% · 4.625%
HK$178,792
+HK$8,953/mo
Deposit HK$21.17M · loan HK$31.76M · min. income ≈ HK$339,678/mo (50% DSR)
Upfront cash ≈ HK$23.42M (deposit + AVD stamp duty HK$2,249,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,981
−HK$10,596/mo
▼ 0.25% · 3.875%
HK$174,237
−HK$5,340/mo
Today · 4.125%
HK$179,577
baseline
▲ 0.50% · 4.625%
HK$190,504
+HK$10,927/mo
Deposit HK$15.88M · loan HK$37.05M · min. income ≈ HK$359,154/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$2,249,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,989
−HK$10,157/mo
▼ 0.25% · 3.875%
HK$193,031
−HK$5,115/mo
Today · 4.125%
HK$198,146
baseline
▲ 0.50% · 4.625%
HK$208,590
+HK$10,444/mo
Deposit HK$15.88M · loan HK$37.05M · min. income ≈ HK$396,292/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$2,249,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,261
−HK$13,624/mo
▼ 0.25% · 3.875%
HK$224,019
−HK$6,866/mo
Today · 4.125%
HK$230,885
baseline
▲ 0.50% · 4.625%
HK$244,934
+HK$14,049/mo
Deposit HK$5.29M · loan HK$47.64M · min. income ≈ HK$461,770/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$2,249,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,701
−HK$13,058/mo
▼ 0.25% · 3.875%
HK$248,183
−HK$6,576/mo
Today · 4.125%
HK$254,759
baseline
▲ 0.50% · 4.625%
HK$268,188
+HK$13,429/mo
Deposit HK$5.29M · loan HK$47.64M · min. income ≈ HK$509,518/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$2,249,648 · Scale 2, in force from 26 Feb 2026)