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$119,317
−HK$7,482/mo
▼ 0.25% · 3.875%
HK$123,029
−HK$3,770/mo
Today · 4.125%
HK$126,799
baseline
▲ 0.50% · 4.625%
HK$134,515
+HK$7,716/mo
Deposit HK$26.16M · loan HK$26.16M · min. income ≈ HK$253,598/mo (50% DSR)
Upfront cash ≈ HK$28.39M (deposit + AVD stamp duty HK$2,223,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,739
−HK$7,172/mo
▼ 0.25% · 3.875%
HK$136,299
−HK$3,612/mo
Today · 4.125%
HK$139,911
baseline
▲ 0.50% · 4.625%
HK$147,285
+HK$7,374/mo
Deposit HK$26.16M · loan HK$26.16M · min. income ≈ HK$279,822/mo (50% DSR)
Upfront cash ≈ HK$28.39M (deposit + AVD stamp duty HK$2,223,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,181
−HK$8,978/mo
▼ 0.25% · 3.875%
HK$147,634
−HK$4,525/mo
Today · 4.125%
HK$152,159
baseline
▲ 0.50% · 4.625%
HK$161,418
+HK$9,259/mo
Deposit HK$20.93M · loan HK$31.40M · min. income ≈ HK$304,318/mo (50% DSR)
Upfront cash ≈ HK$23.15M (deposit + AVD stamp duty HK$2,223,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,287
−HK$8,606/mo
▼ 0.25% · 3.875%
HK$163,559
−HK$4,334/mo
Today · 4.125%
HK$167,893
baseline
▲ 0.50% · 4.625%
HK$176,743
+HK$8,850/mo
Deposit HK$20.93M · loan HK$31.40M · min. income ≈ HK$335,786/mo (50% DSR)
Upfront cash ≈ HK$23.15M (deposit + AVD stamp duty HK$2,223,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,044
−HK$10,475/mo
▼ 0.25% · 3.875%
HK$172,240
−HK$5,279/mo
Today · 4.125%
HK$177,519
baseline
▲ 0.50% · 4.625%
HK$188,321
+HK$10,802/mo
Deposit HK$15.70M · loan HK$36.63M · min. income ≈ HK$355,038/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$2,223,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,835
−HK$10,040/mo
▼ 0.25% · 3.875%
HK$190,819
−HK$5,056/mo
Today · 4.125%
HK$195,875
baseline
▲ 0.50% · 4.625%
HK$206,200
+HK$10,325/mo
Deposit HK$15.70M · loan HK$36.63M · min. income ≈ HK$391,750/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$2,223,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,771
−HK$13,468/mo
▼ 0.25% · 3.875%
HK$221,451
−HK$6,788/mo
Today · 4.125%
HK$228,239
baseline
▲ 0.50% · 4.625%
HK$242,127
+HK$13,888/mo
Deposit HK$5.23M · loan HK$47.09M · min. income ≈ HK$456,478/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$2,223,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,930
−HK$12,909/mo
▼ 0.25% · 3.875%
HK$245,338
−HK$6,501/mo
Today · 4.125%
HK$251,839
baseline
▲ 0.50% · 4.625%
HK$265,114
+HK$13,275/mo
Deposit HK$5.23M · loan HK$47.09M · min. income ≈ HK$503,678/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$2,223,864 · Scale 2, in force from 26 Feb 2026)