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$119,124
−HK$7,470/mo
▼ 0.25% · 3.875%
HK$122,830
−HK$3,764/mo
Today · 4.125%
HK$126,594
baseline
▲ 0.50% · 4.625%
HK$134,297
+HK$7,703/mo
Deposit HK$26.12M · loan HK$26.12M · min. income ≈ HK$253,188/mo (50% DSR)
Upfront cash ≈ HK$28.34M (deposit + AVD stamp duty HK$2,220,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,524
−HK$7,160/mo
▼ 0.25% · 3.875%
HK$136,079
−HK$3,605/mo
Today · 4.125%
HK$139,684
baseline
▲ 0.50% · 4.625%
HK$147,047
+HK$7,363/mo
Deposit HK$26.12M · loan HK$26.12M · min. income ≈ HK$279,368/mo (50% DSR)
Upfront cash ≈ HK$28.34M (deposit + AVD stamp duty HK$2,220,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,949
−HK$8,964/mo
▼ 0.25% · 3.875%
HK$147,396
−HK$4,517/mo
Today · 4.125%
HK$151,913
baseline
▲ 0.50% · 4.625%
HK$161,157
+HK$9,244/mo
Deposit HK$20.90M · loan HK$31.34M · min. income ≈ HK$303,826/mo (50% DSR)
Upfront cash ≈ HK$23.12M (deposit + AVD stamp duty HK$2,220,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,029
−HK$8,592/mo
▼ 0.25% · 3.875%
HK$163,294
−HK$4,327/mo
Today · 4.125%
HK$167,621
baseline
▲ 0.50% · 4.625%
HK$176,457
+HK$8,836/mo
Deposit HK$20.90M · loan HK$31.34M · min. income ≈ HK$335,242/mo (50% DSR)
Upfront cash ≈ HK$23.12M (deposit + AVD stamp duty HK$2,220,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,774
−HK$10,458/mo
▼ 0.25% · 3.875%
HK$171,961
−HK$5,271/mo
Today · 4.125%
HK$177,232
baseline
▲ 0.50% · 4.625%
HK$188,016
+HK$10,784/mo
Deposit HK$15.67M · loan HK$36.57M · min. income ≈ HK$354,464/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$2,220,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,534
−HK$10,024/mo
▼ 0.25% · 3.875%
HK$190,510
−HK$5,048/mo
Today · 4.125%
HK$195,558
baseline
▲ 0.50% · 4.625%
HK$205,866
+HK$10,308/mo
Deposit HK$15.67M · loan HK$36.57M · min. income ≈ HK$391,116/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$2,220,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,424
−HK$13,446/mo
▼ 0.25% · 3.875%
HK$221,093
−HK$6,777/mo
Today · 4.125%
HK$227,870
baseline
▲ 0.50% · 4.625%
HK$241,735
+HK$13,865/mo
Deposit HK$5.22M · loan HK$47.02M · min. income ≈ HK$455,740/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$2,220,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,544
−HK$12,888/mo
▼ 0.25% · 3.875%
HK$244,942
−HK$6,490/mo
Today · 4.125%
HK$251,432
baseline
▲ 0.50% · 4.625%
HK$264,685
+HK$13,253/mo
Deposit HK$5.22M · loan HK$47.02M · min. income ≈ HK$502,864/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$2,220,267 · Scale 2, in force from 26 Feb 2026)