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$120,384
−HK$7,550/mo
▼ 0.25% · 3.875%
HK$124,129
−HK$3,805/mo
Today · 4.125%
HK$127,934
baseline
▲ 0.50% · 4.625%
HK$135,718
+HK$7,784/mo
Deposit HK$26.40M · loan HK$26.40M · min. income ≈ HK$255,868/mo (50% DSR)
Upfront cash ≈ HK$28.64M (deposit + AVD stamp duty HK$2,243,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,926
−HK$7,236/mo
▼ 0.25% · 3.875%
HK$137,518
−HK$3,644/mo
Today · 4.125%
HK$141,162
baseline
▲ 0.50% · 4.625%
HK$148,603
+HK$7,441/mo
Deposit HK$26.40M · loan HK$26.40M · min. income ≈ HK$282,324/mo (50% DSR)
Upfront cash ≈ HK$28.64M (deposit + AVD stamp duty HK$2,243,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,461
−HK$9,059/mo
▼ 0.25% · 3.875%
HK$148,955
−HK$4,565/mo
Today · 4.125%
HK$153,520
baseline
▲ 0.50% · 4.625%
HK$162,862
+HK$9,342/mo
Deposit HK$21.12M · loan HK$31.68M · min. income ≈ HK$307,040/mo (50% DSR)
Upfront cash ≈ HK$23.36M (deposit + AVD stamp duty HK$2,243,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,712
−HK$8,682/mo
▼ 0.25% · 3.875%
HK$165,022
−HK$4,372/mo
Today · 4.125%
HK$169,394
baseline
▲ 0.50% · 4.625%
HK$178,323
+HK$8,929/mo
Deposit HK$21.12M · loan HK$31.68M · min. income ≈ HK$338,788/mo (50% DSR)
Upfront cash ≈ HK$23.36M (deposit + AVD stamp duty HK$2,243,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,538
−HK$10,569/mo
▼ 0.25% · 3.875%
HK$173,781
−HK$5,326/mo
Today · 4.125%
HK$179,107
baseline
▲ 0.50% · 4.625%
HK$190,005
+HK$10,898/mo
Deposit HK$15.84M · loan HK$36.96M · min. income ≈ HK$358,214/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$2,243,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,497
−HK$10,130/mo
▼ 0.25% · 3.875%
HK$192,526
−HK$5,101/mo
Today · 4.125%
HK$197,627
baseline
▲ 0.50% · 4.625%
HK$208,044
+HK$10,417/mo
Deposit HK$15.84M · loan HK$36.96M · min. income ≈ HK$395,254/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$2,243,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,692
−HK$13,588/mo
▼ 0.25% · 3.875%
HK$223,432
−HK$6,848/mo
Today · 4.125%
HK$230,280
baseline
▲ 0.50% · 4.625%
HK$244,292
+HK$14,012/mo
Deposit HK$5.28M · loan HK$47.51M · min. income ≈ HK$460,560/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$2,243,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,068
−HK$13,024/mo
▼ 0.25% · 3.875%
HK$247,533
−HK$6,559/mo
Today · 4.125%
HK$254,092
baseline
▲ 0.50% · 4.625%
HK$267,485
+HK$13,393/mo
Deposit HK$5.28M · loan HK$47.51M · min. income ≈ HK$508,184/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$2,243,755 · Scale 2, in force from 26 Feb 2026)