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$120,015
−HK$7,526/mo
▼ 0.25% · 3.875%
HK$123,748
−HK$3,793/mo
Today · 4.125%
HK$127,541
baseline
▲ 0.50% · 4.625%
HK$135,301
+HK$7,760/mo
Deposit HK$26.32M · loan HK$26.32M · min. income ≈ HK$255,082/mo (50% DSR)
Upfront cash ≈ HK$28.55M (deposit + AVD stamp duty HK$2,236,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,515
−HK$7,214/mo
▼ 0.25% · 3.875%
HK$137,096
−HK$3,633/mo
Today · 4.125%
HK$140,729
baseline
▲ 0.50% · 4.625%
HK$148,147
+HK$7,418/mo
Deposit HK$26.32M · loan HK$26.32M · min. income ≈ HK$281,458/mo (50% DSR)
Upfront cash ≈ HK$28.55M (deposit + AVD stamp duty HK$2,236,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,018
−HK$9,031/mo
▼ 0.25% · 3.875%
HK$148,498
−HK$4,551/mo
Today · 4.125%
HK$153,049
baseline
▲ 0.50% · 4.625%
HK$162,362
+HK$9,313/mo
Deposit HK$21.05M · loan HK$31.58M · min. income ≈ HK$306,098/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$2,236,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,218
−HK$8,656/mo
▼ 0.25% · 3.875%
HK$164,515
−HK$4,359/mo
Today · 4.125%
HK$168,874
baseline
▲ 0.50% · 4.625%
HK$177,776
+HK$8,902/mo
Deposit HK$21.05M · loan HK$31.58M · min. income ≈ HK$337,748/mo (50% DSR)
Upfront cash ≈ HK$23.29M (deposit + AVD stamp duty HK$2,236,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,021
−HK$10,536/mo
▼ 0.25% · 3.875%
HK$173,247
−HK$5,310/mo
Today · 4.125%
HK$178,557
baseline
▲ 0.50% · 4.625%
HK$189,422
+HK$10,865/mo
Deposit HK$15.79M · loan HK$36.84M · min. income ≈ HK$357,114/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$2,236,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,921
−HK$10,099/mo
▼ 0.25% · 3.875%
HK$191,935
−HK$5,085/mo
Today · 4.125%
HK$197,020
baseline
▲ 0.50% · 4.625%
HK$207,405
+HK$10,385/mo
Deposit HK$15.79M · loan HK$36.84M · min. income ≈ HK$394,040/mo (50% DSR)
Upfront cash ≈ HK$18.03M (deposit + AVD stamp duty HK$2,236,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,027
−HK$13,546/mo
▼ 0.25% · 3.875%
HK$222,746
−HK$6,827/mo
Today · 4.125%
HK$229,573
baseline
▲ 0.50% · 4.625%
HK$243,542
+HK$13,969/mo
Deposit HK$5.26M · loan HK$47.37M · min. income ≈ HK$459,146/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$2,236,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,328
−HK$12,984/mo
▼ 0.25% · 3.875%
HK$246,773
−HK$6,539/mo
Today · 4.125%
HK$253,312
baseline
▲ 0.50% · 4.625%
HK$266,664
+HK$13,352/mo
Deposit HK$5.26M · loan HK$47.37M · min. income ≈ HK$506,624/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$2,236,867 · Scale 2, in force from 26 Feb 2026)