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$120,359
−HK$7,548/mo
▼ 0.25% · 3.875%
HK$124,103
−HK$3,804/mo
Today · 4.125%
HK$127,907
baseline
▲ 0.50% · 4.625%
HK$135,690
+HK$7,783/mo
Deposit HK$26.39M · loan HK$26.39M · min. income ≈ HK$255,814/mo (50% DSR)
Upfront cash ≈ HK$28.63M (deposit + AVD stamp duty HK$2,243,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,899
−HK$7,234/mo
▼ 0.25% · 3.875%
HK$137,490
−HK$3,643/mo
Today · 4.125%
HK$141,133
baseline
▲ 0.50% · 4.625%
HK$148,572
+HK$7,439/mo
Deposit HK$26.39M · loan HK$26.39M · min. income ≈ HK$282,266/mo (50% DSR)
Upfront cash ≈ HK$28.63M (deposit + AVD stamp duty HK$2,243,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,431
−HK$9,057/mo
▼ 0.25% · 3.875%
HK$148,924
−HK$4,564/mo
Today · 4.125%
HK$153,488
baseline
▲ 0.50% · 4.625%
HK$162,828
+HK$9,340/mo
Deposit HK$21.11M · loan HK$31.67M · min. income ≈ HK$306,976/mo (50% DSR)
Upfront cash ≈ HK$23.36M (deposit + AVD stamp duty HK$2,243,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,678
−HK$8,681/mo
▼ 0.25% · 3.875%
HK$164,988
−HK$4,371/mo
Today · 4.125%
HK$169,359
baseline
▲ 0.50% · 4.625%
HK$178,287
+HK$8,928/mo
Deposit HK$21.11M · loan HK$31.67M · min. income ≈ HK$338,718/mo (50% DSR)
Upfront cash ≈ HK$23.36M (deposit + AVD stamp duty HK$2,243,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,503
−HK$10,567/mo
▼ 0.25% · 3.875%
HK$173,745
−HK$5,325/mo
Today · 4.125%
HK$179,070
baseline
▲ 0.50% · 4.625%
HK$189,966
+HK$10,896/mo
Deposit HK$15.83M · loan HK$36.95M · min. income ≈ HK$358,140/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$2,243,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,458
−HK$10,128/mo
▼ 0.25% · 3.875%
HK$192,486
−HK$5,100/mo
Today · 4.125%
HK$197,586
baseline
▲ 0.50% · 4.625%
HK$208,001
+HK$10,415/mo
Deposit HK$15.83M · loan HK$36.95M · min. income ≈ HK$395,172/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$2,243,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,647
−HK$13,586/mo
▼ 0.25% · 3.875%
HK$223,386
−HK$6,847/mo
Today · 4.125%
HK$230,233
baseline
▲ 0.50% · 4.625%
HK$244,242
+HK$14,009/mo
Deposit HK$5.28M · loan HK$47.50M · min. income ≈ HK$460,466/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$2,243,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,018
−HK$13,021/mo
▼ 0.25% · 3.875%
HK$247,482
−HK$6,557/mo
Today · 4.125%
HK$254,039
baseline
▲ 0.50% · 4.625%
HK$267,430
+HK$13,391/mo
Deposit HK$5.28M · loan HK$47.50M · min. income ≈ HK$508,078/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$2,243,291 · Scale 2, in force from 26 Feb 2026)