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$119,309
−HK$7,482/mo
▼ 0.25% · 3.875%
HK$123,021
−HK$3,770/mo
Today · 4.125%
HK$126,791
baseline
▲ 0.50% · 4.625%
HK$134,506
+HK$7,715/mo
Deposit HK$26.16M · loan HK$26.16M · min. income ≈ HK$253,582/mo (50% DSR)
Upfront cash ≈ HK$28.39M (deposit + AVD stamp duty HK$2,223,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,731
−HK$7,171/mo
▼ 0.25% · 3.875%
HK$136,290
−HK$3,612/mo
Today · 4.125%
HK$139,902
baseline
▲ 0.50% · 4.625%
HK$147,276
+HK$7,374/mo
Deposit HK$26.16M · loan HK$26.16M · min. income ≈ HK$279,804/mo (50% DSR)
Upfront cash ≈ HK$28.39M (deposit + AVD stamp duty HK$2,223,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,171
−HK$8,978/mo
▼ 0.25% · 3.875%
HK$147,625
−HK$4,524/mo
Today · 4.125%
HK$152,149
baseline
▲ 0.50% · 4.625%
HK$161,407
+HK$9,258/mo
Deposit HK$20.93M · loan HK$31.39M · min. income ≈ HK$304,298/mo (50% DSR)
Upfront cash ≈ HK$23.15M (deposit + AVD stamp duty HK$2,223,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,277
−HK$8,605/mo
▼ 0.25% · 3.875%
HK$163,548
−HK$4,334/mo
Today · 4.125%
HK$167,882
baseline
▲ 0.50% · 4.625%
HK$176,731
+HK$8,849/mo
Deposit HK$20.93M · loan HK$31.39M · min. income ≈ HK$335,764/mo (50% DSR)
Upfront cash ≈ HK$23.15M (deposit + AVD stamp duty HK$2,223,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,033
−HK$10,475/mo
▼ 0.25% · 3.875%
HK$172,229
−HK$5,279/mo
Today · 4.125%
HK$177,508
baseline
▲ 0.50% · 4.625%
HK$188,309
+HK$10,801/mo
Deposit HK$15.70M · loan HK$36.63M · min. income ≈ HK$355,016/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$2,223,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,823
−HK$10,039/mo
▼ 0.25% · 3.875%
HK$190,807
−HK$5,055/mo
Today · 4.125%
HK$195,862
baseline
▲ 0.50% · 4.625%
HK$206,186
+HK$10,324/mo
Deposit HK$15.70M · loan HK$36.63M · min. income ≈ HK$391,724/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$2,223,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,757
−HK$13,467/mo
▼ 0.25% · 3.875%
HK$221,437
−HK$6,787/mo
Today · 4.125%
HK$228,224
baseline
▲ 0.50% · 4.625%
HK$242,111
+HK$13,887/mo
Deposit HK$5.23M · loan HK$47.09M · min. income ≈ HK$456,448/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$2,223,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,915
−HK$12,908/mo
▼ 0.25% · 3.875%
HK$245,323
−HK$6,500/mo
Today · 4.125%
HK$251,823
baseline
▲ 0.50% · 4.625%
HK$265,097
+HK$13,274/mo
Deposit HK$5.23M · loan HK$47.09M · min. income ≈ HK$503,646/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$2,223,721 · Scale 2, in force from 26 Feb 2026)