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$120,370
−HK$7,548/mo
▼ 0.25% · 3.875%
HK$124,114
−HK$3,804/mo
Today · 4.125%
HK$127,918
baseline
▲ 0.50% · 4.625%
HK$135,702
+HK$7,784/mo
Deposit HK$26.39M · loan HK$26.39M · min. income ≈ HK$255,836/mo (50% DSR)
Upfront cash ≈ HK$28.64M (deposit + AVD stamp duty HK$2,243,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,910
−HK$7,235/mo
▼ 0.25% · 3.875%
HK$137,502
−HK$3,643/mo
Today · 4.125%
HK$141,145
baseline
▲ 0.50% · 4.625%
HK$148,585
+HK$7,440/mo
Deposit HK$26.39M · loan HK$26.39M · min. income ≈ HK$282,290/mo (50% DSR)
Upfront cash ≈ HK$28.64M (deposit + AVD stamp duty HK$2,243,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,444
−HK$9,058/mo
▼ 0.25% · 3.875%
HK$148,937
−HK$4,565/mo
Today · 4.125%
HK$153,502
baseline
▲ 0.50% · 4.625%
HK$162,842
+HK$9,340/mo
Deposit HK$21.12M · loan HK$31.67M · min. income ≈ HK$307,004/mo (50% DSR)
Upfront cash ≈ HK$23.36M (deposit + AVD stamp duty HK$2,243,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,692
−HK$8,682/mo
▼ 0.25% · 3.875%
HK$165,002
−HK$4,372/mo
Today · 4.125%
HK$169,374
baseline
▲ 0.50% · 4.625%
HK$178,302
+HK$8,928/mo
Deposit HK$21.12M · loan HK$31.67M · min. income ≈ HK$338,748/mo (50% DSR)
Upfront cash ≈ HK$23.36M (deposit + AVD stamp duty HK$2,243,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,518
−HK$10,567/mo
▼ 0.25% · 3.875%
HK$173,760
−HK$5,325/mo
Today · 4.125%
HK$179,085
baseline
▲ 0.50% · 4.625%
HK$189,982
+HK$10,897/mo
Deposit HK$15.84M · loan HK$36.95M · min. income ≈ HK$358,170/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$2,243,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,474
−HK$10,129/mo
▼ 0.25% · 3.875%
HK$192,502
−HK$5,101/mo
Today · 4.125%
HK$197,603
baseline
▲ 0.50% · 4.625%
HK$208,019
+HK$10,416/mo
Deposit HK$15.84M · loan HK$36.95M · min. income ≈ HK$395,206/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$2,243,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,666
−HK$13,587/mo
▼ 0.25% · 3.875%
HK$223,405
−HK$6,848/mo
Today · 4.125%
HK$230,253
baseline
▲ 0.50% · 4.625%
HK$244,263
+HK$14,010/mo
Deposit HK$5.28M · loan HK$47.51M · min. income ≈ HK$460,506/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$2,243,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,039
−HK$13,022/mo
▼ 0.25% · 3.875%
HK$247,503
−HK$6,558/mo
Today · 4.125%
HK$254,061
baseline
▲ 0.50% · 4.625%
HK$267,453
+HK$13,392/mo
Deposit HK$5.28M · loan HK$47.51M · min. income ≈ HK$508,122/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$2,243,485 · Scale 2, in force from 26 Feb 2026)