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$119,257
−HK$7,479/mo
▼ 0.25% · 3.875%
HK$122,967
−HK$3,769/mo
Today · 4.125%
HK$126,736
baseline
▲ 0.50% · 4.625%
HK$134,447
+HK$7,711/mo
Deposit HK$26.15M · loan HK$26.15M · min. income ≈ HK$253,472/mo (50% DSR)
Upfront cash ≈ HK$28.37M (deposit + AVD stamp duty HK$2,222,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,672
−HK$7,168/mo
▼ 0.25% · 3.875%
HK$136,230
−HK$3,610/mo
Today · 4.125%
HK$139,840
baseline
▲ 0.50% · 4.625%
HK$147,211
+HK$7,371/mo
Deposit HK$26.15M · loan HK$26.15M · min. income ≈ HK$279,680/mo (50% DSR)
Upfront cash ≈ HK$28.37M (deposit + AVD stamp duty HK$2,222,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,108
−HK$8,975/mo
▼ 0.25% · 3.875%
HK$147,560
−HK$4,523/mo
Today · 4.125%
HK$152,083
baseline
▲ 0.50% · 4.625%
HK$161,336
+HK$9,253/mo
Deposit HK$20.92M · loan HK$31.38M · min. income ≈ HK$304,166/mo (50% DSR)
Upfront cash ≈ HK$23.14M (deposit + AVD stamp duty HK$2,222,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,207
−HK$8,601/mo
▼ 0.25% · 3.875%
HK$163,477
−HK$4,331/mo
Today · 4.125%
HK$167,808
baseline
▲ 0.50% · 4.625%
HK$176,654
+HK$8,846/mo
Deposit HK$20.92M · loan HK$31.38M · min. income ≈ HK$335,616/mo (50% DSR)
Upfront cash ≈ HK$23.14M (deposit + AVD stamp duty HK$2,222,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,960
−HK$10,470/mo
▼ 0.25% · 3.875%
HK$172,153
−HK$5,277/mo
Today · 4.125%
HK$177,430
baseline
▲ 0.50% · 4.625%
HK$188,226
+HK$10,796/mo
Deposit HK$15.69M · loan HK$36.61M · min. income ≈ HK$354,860/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$2,222,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,741
−HK$10,035/mo
▼ 0.25% · 3.875%
HK$190,723
−HK$5,053/mo
Today · 4.125%
HK$195,776
baseline
▲ 0.50% · 4.625%
HK$206,096
+HK$10,320/mo
Deposit HK$15.69M · loan HK$36.61M · min. income ≈ HK$391,552/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$2,222,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,663
−HK$13,461/mo
▼ 0.25% · 3.875%
HK$221,340
−HK$6,784/mo
Today · 4.125%
HK$228,124
baseline
▲ 0.50% · 4.625%
HK$242,005
+HK$13,881/mo
Deposit HK$5.23M · loan HK$47.07M · min. income ≈ HK$456,248/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$2,222,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,810
−HK$12,902/mo
▼ 0.25% · 3.875%
HK$245,215
−HK$6,497/mo
Today · 4.125%
HK$251,712
baseline
▲ 0.50% · 4.625%
HK$264,980
+HK$13,268/mo
Deposit HK$5.23M · loan HK$47.07M · min. income ≈ HK$503,424/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$2,222,744 · Scale 2, in force from 26 Feb 2026)