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$119,642
−HK$7,503/mo
▼ 0.25% · 3.875%
HK$123,364
−HK$3,781/mo
Today · 4.125%
HK$127,145
baseline
▲ 0.50% · 4.625%
HK$134,881
+HK$7,736/mo
Deposit HK$26.23M · loan HK$26.23M · min. income ≈ HK$254,290/mo (50% DSR)
Upfront cash ≈ HK$28.46M (deposit + AVD stamp duty HK$2,229,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,101
−HK$7,191/mo
▼ 0.25% · 3.875%
HK$136,671
−HK$3,621/mo
Today · 4.125%
HK$140,292
baseline
▲ 0.50% · 4.625%
HK$147,687
+HK$7,395/mo
Deposit HK$26.23M · loan HK$26.23M · min. income ≈ HK$280,584/mo (50% DSR)
Upfront cash ≈ HK$28.46M (deposit + AVD stamp duty HK$2,229,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,571
−HK$9,003/mo
▼ 0.25% · 3.875%
HK$148,037
−HK$4,537/mo
Today · 4.125%
HK$152,574
baseline
▲ 0.50% · 4.625%
HK$161,858
+HK$9,284/mo
Deposit HK$20.99M · loan HK$31.48M · min. income ≈ HK$305,148/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$2,229,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,721
−HK$8,629/mo
▼ 0.25% · 3.875%
HK$164,005
−HK$4,345/mo
Today · 4.125%
HK$168,350
baseline
▲ 0.50% · 4.625%
HK$177,224
+HK$8,874/mo
Deposit HK$20.99M · loan HK$31.48M · min. income ≈ HK$336,700/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$2,229,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,499
−HK$10,504/mo
▼ 0.25% · 3.875%
HK$172,709
−HK$5,294/mo
Today · 4.125%
HK$178,003
baseline
▲ 0.50% · 4.625%
HK$188,834
+HK$10,831/mo
Deposit HK$15.74M · loan HK$36.73M · min. income ≈ HK$356,006/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$2,229,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,341
−HK$10,068/mo
▼ 0.25% · 3.875%
HK$191,339
−HK$5,070/mo
Today · 4.125%
HK$196,409
baseline
▲ 0.50% · 4.625%
HK$206,762
+HK$10,353/mo
Deposit HK$15.74M · loan HK$36.73M · min. income ≈ HK$392,818/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$2,229,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,356
−HK$13,505/mo
▼ 0.25% · 3.875%
HK$222,055
−HK$6,806/mo
Today · 4.125%
HK$228,861
baseline
▲ 0.50% · 4.625%
HK$242,787
+HK$13,926/mo
Deposit HK$5.25M · loan HK$47.22M · min. income ≈ HK$457,722/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$2,229,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,582
−HK$12,943/mo
▼ 0.25% · 3.875%
HK$246,007
−HK$6,518/mo
Today · 4.125%
HK$252,525
baseline
▲ 0.50% · 4.625%
HK$265,836
+HK$13,311/mo
Deposit HK$5.25M · loan HK$47.22M · min. income ≈ HK$505,050/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$2,229,925 · Scale 2, in force from 26 Feb 2026)