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$119,022
−HK$7,464/mo
▼ 0.25% · 3.875%
HK$122,725
−HK$3,761/mo
Today · 4.125%
HK$126,486
baseline
▲ 0.50% · 4.625%
HK$134,183
+HK$7,697/mo
Deposit HK$26.10M · loan HK$26.10M · min. income ≈ HK$252,972/mo (50% DSR)
Upfront cash ≈ HK$28.32M (deposit + AVD stamp duty HK$2,218,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,411
−HK$7,154/mo
▼ 0.25% · 3.875%
HK$135,962
−HK$3,603/mo
Today · 4.125%
HK$139,565
baseline
▲ 0.50% · 4.625%
HK$146,922
+HK$7,357/mo
Deposit HK$26.10M · loan HK$26.10M · min. income ≈ HK$279,130/mo (50% DSR)
Upfront cash ≈ HK$28.32M (deposit + AVD stamp duty HK$2,218,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,827
−HK$8,956/mo
▼ 0.25% · 3.875%
HK$147,270
−HK$4,513/mo
Today · 4.125%
HK$151,783
baseline
▲ 0.50% · 4.625%
HK$161,019
+HK$9,236/mo
Deposit HK$20.88M · loan HK$31.32M · min. income ≈ HK$303,566/mo (50% DSR)
Upfront cash ≈ HK$23.10M (deposit + AVD stamp duty HK$2,218,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,893
−HK$8,585/mo
▼ 0.25% · 3.875%
HK$163,155
−HK$4,323/mo
Today · 4.125%
HK$167,478
baseline
▲ 0.50% · 4.625%
HK$176,306
+HK$8,828/mo
Deposit HK$20.88M · loan HK$31.32M · min. income ≈ HK$334,956/mo (50% DSR)
Upfront cash ≈ HK$23.10M (deposit + AVD stamp duty HK$2,218,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,631
−HK$10,450/mo
▼ 0.25% · 3.875%
HK$171,815
−HK$5,266/mo
Today · 4.125%
HK$177,081
baseline
▲ 0.50% · 4.625%
HK$187,856
+HK$10,775/mo
Deposit HK$15.66M · loan HK$36.54M · min. income ≈ HK$354,162/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$2,218,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,376
−HK$10,015/mo
▼ 0.25% · 3.875%
HK$190,347
−HK$5,044/mo
Today · 4.125%
HK$195,391
baseline
▲ 0.50% · 4.625%
HK$205,690
+HK$10,299/mo
Deposit HK$15.66M · loan HK$36.54M · min. income ≈ HK$390,782/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$2,218,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,240
−HK$13,435/mo
▼ 0.25% · 3.875%
HK$220,904
−HK$6,771/mo
Today · 4.125%
HK$227,675
baseline
▲ 0.50% · 4.625%
HK$241,529
+HK$13,854/mo
Deposit HK$5.22M · loan HK$46.98M · min. income ≈ HK$455,350/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$2,218,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,340
−HK$12,877/mo
▼ 0.25% · 3.875%
HK$244,732
−HK$6,485/mo
Today · 4.125%
HK$251,217
baseline
▲ 0.50% · 4.625%
HK$264,459
+HK$13,242/mo
Deposit HK$5.22M · loan HK$46.98M · min. income ≈ HK$502,434/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$2,218,370 · Scale 2, in force from 26 Feb 2026)