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$118,843
−HK$7,453/mo
▼ 0.25% · 3.875%
HK$122,540
−HK$3,756/mo
Today · 4.125%
HK$126,296
baseline
▲ 0.50% · 4.625%
HK$133,980
+HK$7,684/mo
Deposit HK$26.06M · loan HK$26.06M · min. income ≈ HK$252,592/mo (50% DSR)
Upfront cash ≈ HK$28.27M (deposit + AVD stamp duty HK$2,215,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,212
−HK$7,143/mo
▼ 0.25% · 3.875%
HK$135,758
−HK$3,597/mo
Today · 4.125%
HK$139,355
baseline
▲ 0.50% · 4.625%
HK$146,700
+HK$7,345/mo
Deposit HK$26.06M · loan HK$26.06M · min. income ≈ HK$278,710/mo (50% DSR)
Upfront cash ≈ HK$28.27M (deposit + AVD stamp duty HK$2,215,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,612
−HK$8,943/mo
▼ 0.25% · 3.875%
HK$147,048
−HK$4,507/mo
Today · 4.125%
HK$151,555
baseline
▲ 0.50% · 4.625%
HK$160,777
+HK$9,222/mo
Deposit HK$20.85M · loan HK$31.27M · min. income ≈ HK$303,110/mo (50% DSR)
Upfront cash ≈ HK$23.06M (deposit + AVD stamp duty HK$2,215,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,654
−HK$8,572/mo
▼ 0.25% · 3.875%
HK$162,909
−HK$4,317/mo
Today · 4.125%
HK$167,226
baseline
▲ 0.50% · 4.625%
HK$176,040
+HK$8,814/mo
Deposit HK$20.85M · loan HK$31.27M · min. income ≈ HK$334,452/mo (50% DSR)
Upfront cash ≈ HK$23.06M (deposit + AVD stamp duty HK$2,215,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,380
−HK$10,434/mo
▼ 0.25% · 3.875%
HK$171,556
−HK$5,258/mo
Today · 4.125%
HK$176,814
baseline
▲ 0.50% · 4.625%
HK$187,573
+HK$10,759/mo
Deposit HK$15.64M · loan HK$36.48M · min. income ≈ HK$353,628/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$2,215,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,097
−HK$10,000/mo
▼ 0.25% · 3.875%
HK$190,061
−HK$5,036/mo
Today · 4.125%
HK$195,097
baseline
▲ 0.50% · 4.625%
HK$205,381
+HK$10,284/mo
Deposit HK$15.64M · loan HK$36.48M · min. income ≈ HK$390,194/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$2,215,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,918
−HK$13,414/mo
▼ 0.25% · 3.875%
HK$220,572
−HK$6,760/mo
Today · 4.125%
HK$227,332
baseline
▲ 0.50% · 4.625%
HK$241,165
+HK$13,833/mo
Deposit HK$5.21M · loan HK$46.91M · min. income ≈ HK$454,664/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$2,215,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,981
−HK$12,858/mo
▼ 0.25% · 3.875%
HK$244,364
−HK$6,475/mo
Today · 4.125%
HK$250,839
baseline
▲ 0.50% · 4.625%
HK$264,061
+HK$13,222/mo
Deposit HK$5.21M · loan HK$46.91M · min. income ≈ HK$501,678/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$2,215,029 · Scale 2, in force from 26 Feb 2026)