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$120,174
−HK$7,536/mo
▼ 0.25% · 3.875%
HK$123,912
−HK$3,798/mo
Today · 4.125%
HK$127,710
baseline
▲ 0.50% · 4.625%
HK$135,480
+HK$7,770/mo
Deposit HK$26.35M · loan HK$26.35M · min. income ≈ HK$255,420/mo (50% DSR)
Upfront cash ≈ HK$28.59M (deposit + AVD stamp duty HK$2,239,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,692
−HK$7,223/mo
▼ 0.25% · 3.875%
HK$137,278
−HK$3,637/mo
Today · 4.125%
HK$140,915
baseline
▲ 0.50% · 4.625%
HK$148,343
+HK$7,428/mo
Deposit HK$26.35M · loan HK$26.35M · min. income ≈ HK$281,830/mo (50% DSR)
Upfront cash ≈ HK$28.59M (deposit + AVD stamp duty HK$2,239,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,208
−HK$9,044/mo
▼ 0.25% · 3.875%
HK$148,694
−HK$4,558/mo
Today · 4.125%
HK$153,252
baseline
▲ 0.50% · 4.625%
HK$162,576
+HK$9,324/mo
Deposit HK$21.08M · loan HK$31.62M · min. income ≈ HK$306,504/mo (50% DSR)
Upfront cash ≈ HK$23.32M (deposit + AVD stamp duty HK$2,239,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,430
−HK$8,668/mo
▼ 0.25% · 3.875%
HK$164,733
−HK$4,365/mo
Today · 4.125%
HK$169,098
baseline
▲ 0.50% · 4.625%
HK$178,011
+HK$8,913/mo
Deposit HK$21.08M · loan HK$31.62M · min. income ≈ HK$338,196/mo (50% DSR)
Upfront cash ≈ HK$23.32M (deposit + AVD stamp duty HK$2,239,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,243
−HK$10,550/mo
▼ 0.25% · 3.875%
HK$173,476
−HK$5,317/mo
Today · 4.125%
HK$178,793
baseline
▲ 0.50% · 4.625%
HK$189,673
+HK$10,880/mo
Deposit HK$15.81M · loan HK$36.89M · min. income ≈ HK$357,586/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$2,239,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,169
−HK$10,112/mo
▼ 0.25% · 3.875%
HK$192,189
−HK$5,092/mo
Today · 4.125%
HK$197,281
baseline
▲ 0.50% · 4.625%
HK$207,680
+HK$10,399/mo
Deposit HK$15.81M · loan HK$36.89M · min. income ≈ HK$394,562/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$2,239,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,313
−HK$13,564/mo
▼ 0.25% · 3.875%
HK$223,041
−HK$6,836/mo
Today · 4.125%
HK$229,877
baseline
▲ 0.50% · 4.625%
HK$243,865
+HK$13,988/mo
Deposit HK$5.27M · loan HK$47.43M · min. income ≈ HK$459,754/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$2,239,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,646
−HK$13,001/mo
▼ 0.25% · 3.875%
HK$247,100
−HK$6,547/mo
Today · 4.125%
HK$253,647
baseline
▲ 0.50% · 4.625%
HK$267,017
+HK$13,370/mo
Deposit HK$5.27M · loan HK$47.43M · min. income ≈ HK$507,294/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$2,239,827 · Scale 2, in force from 26 Feb 2026)