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$120,928
−HK$7,583/mo
▼ 0.25% · 3.875%
HK$124,689
−HK$3,822/mo
Today · 4.125%
HK$128,511
baseline
▲ 0.50% · 4.625%
HK$136,331
+HK$7,820/mo
Deposit HK$26.52M · loan HK$26.52M · min. income ≈ HK$257,022/mo (50% DSR)
Upfront cash ≈ HK$28.77M (deposit + AVD stamp duty HK$2,253,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,531
−HK$7,268/mo
▼ 0.25% · 3.875%
HK$138,139
−HK$3,660/mo
Today · 4.125%
HK$141,799
baseline
▲ 0.50% · 4.625%
HK$149,274
+HK$7,475/mo
Deposit HK$26.52M · loan HK$26.52M · min. income ≈ HK$283,598/mo (50% DSR)
Upfront cash ≈ HK$28.77M (deposit + AVD stamp duty HK$2,253,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,114
−HK$9,099/mo
▼ 0.25% · 3.875%
HK$149,627
−HK$4,586/mo
Today · 4.125%
HK$154,213
baseline
▲ 0.50% · 4.625%
HK$163,597
+HK$9,384/mo
Deposit HK$21.21M · loan HK$31.82M · min. income ≈ HK$308,426/mo (50% DSR)
Upfront cash ≈ HK$23.47M (deposit + AVD stamp duty HK$2,253,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,437
−HK$8,722/mo
▼ 0.25% · 3.875%
HK$165,767
−HK$4,392/mo
Today · 4.125%
HK$170,159
baseline
▲ 0.50% · 4.625%
HK$179,129
+HK$8,970/mo
Deposit HK$21.21M · loan HK$31.82M · min. income ≈ HK$340,318/mo (50% DSR)
Upfront cash ≈ HK$23.47M (deposit + AVD stamp duty HK$2,253,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,299
−HK$10,617/mo
▼ 0.25% · 3.875%
HK$174,565
−HK$5,351/mo
Today · 4.125%
HK$179,916
baseline
▲ 0.50% · 4.625%
HK$190,863
+HK$10,947/mo
Deposit HK$15.91M · loan HK$37.12M · min. income ≈ HK$359,832/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$2,253,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,344
−HK$10,175/mo
▼ 0.25% · 3.875%
HK$193,395
−HK$5,124/mo
Today · 4.125%
HK$198,519
baseline
▲ 0.50% · 4.625%
HK$208,983
+HK$10,464/mo
Deposit HK$15.91M · loan HK$37.12M · min. income ≈ HK$397,038/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$2,253,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,670
−HK$13,650/mo
▼ 0.25% · 3.875%
HK$224,441
−HK$6,879/mo
Today · 4.125%
HK$231,320
baseline
▲ 0.50% · 4.625%
HK$245,395
+HK$14,075/mo
Deposit HK$5.30M · loan HK$47.73M · min. income ≈ HK$462,640/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$2,253,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,156
−HK$13,083/mo
▼ 0.25% · 3.875%
HK$248,651
−HK$6,588/mo
Today · 4.125%
HK$255,239
baseline
▲ 0.50% · 4.625%
HK$268,693
+HK$13,454/mo
Deposit HK$5.30M · loan HK$47.73M · min. income ≈ HK$510,478/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$2,253,886 · Scale 2, in force from 26 Feb 2026)