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$120,039
−HK$7,527/mo
▼ 0.25% · 3.875%
HK$123,773
−HK$3,793/mo
Today · 4.125%
HK$127,566
baseline
▲ 0.50% · 4.625%
HK$135,328
+HK$7,762/mo
Deposit HK$26.32M · loan HK$26.32M · min. income ≈ HK$255,132/mo (50% DSR)
Upfront cash ≈ HK$28.56M (deposit + AVD stamp duty HK$2,237,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,542
−HK$7,215/mo
▼ 0.25% · 3.875%
HK$137,123
−HK$3,634/mo
Today · 4.125%
HK$140,757
baseline
▲ 0.50% · 4.625%
HK$148,176
+HK$7,419/mo
Deposit HK$26.32M · loan HK$26.32M · min. income ≈ HK$281,514/mo (50% DSR)
Upfront cash ≈ HK$28.56M (deposit + AVD stamp duty HK$2,237,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,047
−HK$9,033/mo
▼ 0.25% · 3.875%
HK$148,527
−HK$4,553/mo
Today · 4.125%
HK$153,080
baseline
▲ 0.50% · 4.625%
HK$162,394
+HK$9,314/mo
Deposit HK$21.06M · loan HK$31.59M · min. income ≈ HK$306,160/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$2,237,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,250
−HK$8,658/mo
▼ 0.25% · 3.875%
HK$164,548
−HK$4,360/mo
Today · 4.125%
HK$168,908
baseline
▲ 0.50% · 4.625%
HK$177,812
+HK$8,904/mo
Deposit HK$21.06M · loan HK$31.59M · min. income ≈ HK$337,816/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$2,237,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,054
−HK$10,539/mo
▼ 0.25% · 3.875%
HK$173,282
−HK$5,311/mo
Today · 4.125%
HK$178,593
baseline
▲ 0.50% · 4.625%
HK$189,460
+HK$10,867/mo
Deposit HK$15.79M · loan HK$36.85M · min. income ≈ HK$357,186/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$2,237,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,959
−HK$10,101/mo
▼ 0.25% · 3.875%
HK$191,973
−HK$5,087/mo
Today · 4.125%
HK$197,060
baseline
▲ 0.50% · 4.625%
HK$207,447
+HK$10,387/mo
Deposit HK$15.79M · loan HK$36.85M · min. income ≈ HK$394,120/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$2,237,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,070
−HK$13,549/mo
▼ 0.25% · 3.875%
HK$222,791
−HK$6,828/mo
Today · 4.125%
HK$229,619
baseline
▲ 0.50% · 4.625%
HK$243,591
+HK$13,972/mo
Deposit HK$5.26M · loan HK$47.38M · min. income ≈ HK$459,238/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$2,237,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,376
−HK$12,986/mo
▼ 0.25% · 3.875%
HK$246,822
−HK$6,540/mo
Today · 4.125%
HK$253,362
baseline
▲ 0.50% · 4.625%
HK$266,717
+HK$13,355/mo
Deposit HK$5.26M · loan HK$47.38M · min. income ≈ HK$506,724/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$2,237,314 · Scale 2, in force from 26 Feb 2026)