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$120,181
−HK$7,537/mo
▼ 0.25% · 3.875%
HK$123,920
−HK$3,798/mo
Today · 4.125%
HK$127,718
baseline
▲ 0.50% · 4.625%
HK$135,489
+HK$7,771/mo
Deposit HK$26.35M · loan HK$26.35M · min. income ≈ HK$255,436/mo (50% DSR)
Upfront cash ≈ HK$28.59M (deposit + AVD stamp duty HK$2,239,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,701
−HK$7,223/mo
▼ 0.25% · 3.875%
HK$137,286
−HK$3,638/mo
Today · 4.125%
HK$140,924
baseline
▲ 0.50% · 4.625%
HK$148,352
+HK$7,428/mo
Deposit HK$26.35M · loan HK$26.35M · min. income ≈ HK$281,848/mo (50% DSR)
Upfront cash ≈ HK$28.59M (deposit + AVD stamp duty HK$2,239,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,218
−HK$9,043/mo
▼ 0.25% · 3.875%
HK$148,704
−HK$4,557/mo
Today · 4.125%
HK$153,261
baseline
▲ 0.50% · 4.625%
HK$162,587
+HK$9,326/mo
Deposit HK$21.08M · loan HK$31.62M · min. income ≈ HK$306,522/mo (50% DSR)
Upfront cash ≈ HK$23.32M (deposit + AVD stamp duty HK$2,239,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,441
−HK$8,668/mo
▼ 0.25% · 3.875%
HK$164,744
−HK$4,365/mo
Today · 4.125%
HK$169,109
baseline
▲ 0.50% · 4.625%
HK$178,023
+HK$8,914/mo
Deposit HK$21.08M · loan HK$31.62M · min. income ≈ HK$338,218/mo (50% DSR)
Upfront cash ≈ HK$23.32M (deposit + AVD stamp duty HK$2,239,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,254
−HK$10,551/mo
▼ 0.25% · 3.875%
HK$173,488
−HK$5,317/mo
Today · 4.125%
HK$178,805
baseline
▲ 0.50% · 4.625%
HK$189,685
+HK$10,880/mo
Deposit HK$15.81M · loan HK$36.89M · min. income ≈ HK$357,610/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$2,239,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,181
−HK$10,113/mo
▼ 0.25% · 3.875%
HK$192,201
−HK$5,093/mo
Today · 4.125%
HK$197,294
baseline
▲ 0.50% · 4.625%
HK$207,693
+HK$10,399/mo
Deposit HK$15.81M · loan HK$36.89M · min. income ≈ HK$394,588/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$2,239,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,326
−HK$13,566/mo
▼ 0.25% · 3.875%
HK$223,055
−HK$6,837/mo
Today · 4.125%
HK$229,892
baseline
▲ 0.50% · 4.625%
HK$243,880
+HK$13,988/mo
Deposit HK$5.27M · loan HK$47.43M · min. income ≈ HK$459,784/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$2,239,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,661
−HK$13,002/mo
▼ 0.25% · 3.875%
HK$247,115
−HK$6,548/mo
Today · 4.125%
HK$253,663
baseline
▲ 0.50% · 4.625%
HK$267,034
+HK$13,371/mo
Deposit HK$5.27M · loan HK$47.43M · min. income ≈ HK$507,326/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$2,239,971 · Scale 2, in force from 26 Feb 2026)