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$120,423
−HK$7,551/mo
▼ 0.25% · 3.875%
HK$124,169
−HK$3,805/mo
Today · 4.125%
HK$127,974
baseline
▲ 0.50% · 4.625%
HK$135,761
+HK$7,787/mo
Deposit HK$26.41M · loan HK$26.41M · min. income ≈ HK$255,948/mo (50% DSR)
Upfront cash ≈ HK$28.65M (deposit + AVD stamp duty HK$2,244,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,969
−HK$7,238/mo
▼ 0.25% · 3.875%
HK$137,562
−HK$3,645/mo
Today · 4.125%
HK$141,207
baseline
▲ 0.50% · 4.625%
HK$148,650
+HK$7,443/mo
Deposit HK$26.41M · loan HK$26.41M · min. income ≈ HK$282,414/mo (50% DSR)
Upfront cash ≈ HK$28.65M (deposit + AVD stamp duty HK$2,244,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,507
−HK$9,062/mo
▼ 0.25% · 3.875%
HK$149,002
−HK$4,567/mo
Today · 4.125%
HK$153,569
baseline
▲ 0.50% · 4.625%
HK$162,914
+HK$9,345/mo
Deposit HK$21.12M · loan HK$31.69M · min. income ≈ HK$307,138/mo (50% DSR)
Upfront cash ≈ HK$23.37M (deposit + AVD stamp duty HK$2,244,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,763
−HK$8,686/mo
▼ 0.25% · 3.875%
HK$165,075
−HK$4,374/mo
Today · 4.125%
HK$169,449
baseline
▲ 0.50% · 4.625%
HK$178,380
+HK$8,931/mo
Deposit HK$21.12M · loan HK$31.69M · min. income ≈ HK$338,898/mo (50% DSR)
Upfront cash ≈ HK$23.37M (deposit + AVD stamp duty HK$2,244,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,592
−HK$10,572/mo
▼ 0.25% · 3.875%
HK$173,836
−HK$5,328/mo
Today · 4.125%
HK$179,164
baseline
▲ 0.50% · 4.625%
HK$190,066
+HK$10,902/mo
Deposit HK$15.84M · loan HK$36.97M · min. income ≈ HK$358,328/mo (50% DSR)
Upfront cash ≈ HK$18.09M (deposit + AVD stamp duty HK$2,244,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,557
−HK$10,133/mo
▼ 0.25% · 3.875%
HK$192,587
−HK$5,103/mo
Today · 4.125%
HK$197,690
baseline
▲ 0.50% · 4.625%
HK$208,111
+HK$10,421/mo
Deposit HK$15.84M · loan HK$36.97M · min. income ≈ HK$395,380/mo (50% DSR)
Upfront cash ≈ HK$18.09M (deposit + AVD stamp duty HK$2,244,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,761
−HK$13,593/mo
▼ 0.25% · 3.875%
HK$223,504
−HK$6,850/mo
Today · 4.125%
HK$230,354
baseline
▲ 0.50% · 4.625%
HK$244,370
+HK$14,016/mo
Deposit HK$5.28M · loan HK$47.53M · min. income ≈ HK$460,708/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$2,244,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,145
−HK$13,028/mo
▼ 0.25% · 3.875%
HK$247,612
−HK$6,561/mo
Today · 4.125%
HK$254,173
baseline
▲ 0.50% · 4.625%
HK$267,571
+HK$13,398/mo
Deposit HK$5.28M · loan HK$47.53M · min. income ≈ HK$508,346/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$2,244,472 · Scale 2, in force from 26 Feb 2026)