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$118,747
−HK$7,446/mo
▼ 0.25% · 3.875%
HK$122,441
−HK$3,752/mo
Today · 4.125%
HK$126,193
baseline
▲ 0.50% · 4.625%
HK$133,872
+HK$7,679/mo
Deposit HK$26.04M · loan HK$26.04M · min. income ≈ HK$252,386/mo (50% DSR)
Upfront cash ≈ HK$28.25M (deposit + AVD stamp duty HK$2,213,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,105
−HK$7,137/mo
▼ 0.25% · 3.875%
HK$135,648
−HK$3,594/mo
Today · 4.125%
HK$139,242
baseline
▲ 0.50% · 4.625%
HK$146,582
+HK$7,340/mo
Deposit HK$26.04M · loan HK$26.04M · min. income ≈ HK$278,484/mo (50% DSR)
Upfront cash ≈ HK$28.25M (deposit + AVD stamp duty HK$2,213,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,496
−HK$8,936/mo
▼ 0.25% · 3.875%
HK$146,929
−HK$4,503/mo
Today · 4.125%
HK$151,432
baseline
▲ 0.50% · 4.625%
HK$160,646
+HK$9,214/mo
Deposit HK$20.83M · loan HK$31.25M · min. income ≈ HK$302,864/mo (50% DSR)
Upfront cash ≈ HK$23.04M (deposit + AVD stamp duty HK$2,213,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,526
−HK$8,564/mo
▼ 0.25% · 3.875%
HK$162,777
−HK$4,313/mo
Today · 4.125%
HK$167,090
baseline
▲ 0.50% · 4.625%
HK$175,898
+HK$8,808/mo
Deposit HK$20.83M · loan HK$31.25M · min. income ≈ HK$334,180/mo (50% DSR)
Upfront cash ≈ HK$23.04M (deposit + AVD stamp duty HK$2,213,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,246
−HK$10,425/mo
▼ 0.25% · 3.875%
HK$171,417
−HK$5,254/mo
Today · 4.125%
HK$176,671
baseline
▲ 0.50% · 4.625%
HK$187,421
+HK$10,750/mo
Deposit HK$15.62M · loan HK$36.45M · min. income ≈ HK$353,342/mo (50% DSR)
Upfront cash ≈ HK$17.84M (deposit + AVD stamp duty HK$2,213,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,947
−HK$9,992/mo
▼ 0.25% · 3.875%
HK$189,907
−HK$5,032/mo
Today · 4.125%
HK$194,939
baseline
▲ 0.50% · 4.625%
HK$205,214
+HK$10,275/mo
Deposit HK$15.62M · loan HK$36.45M · min. income ≈ HK$389,878/mo (50% DSR)
Upfront cash ≈ HK$17.84M (deposit + AVD stamp duty HK$2,213,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,745
−HK$13,403/mo
▼ 0.25% · 3.875%
HK$220,393
−HK$6,755/mo
Today · 4.125%
HK$227,148
baseline
▲ 0.50% · 4.625%
HK$240,970
+HK$13,822/mo
Deposit HK$5.21M · loan HK$46.87M · min. income ≈ HK$454,296/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$2,213,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,789
−HK$12,847/mo
▼ 0.25% · 3.875%
HK$244,166
−HK$6,470/mo
Today · 4.125%
HK$250,636
baseline
▲ 0.50% · 4.625%
HK$263,847
+HK$13,211/mo
Deposit HK$5.21M · loan HK$46.87M · min. income ≈ HK$501,272/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$2,213,236 · Scale 2, in force from 26 Feb 2026)