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$120,651
−HK$7,566/mo
▼ 0.25% · 3.875%
HK$124,404
−HK$3,813/mo
Today · 4.125%
HK$128,217
baseline
▲ 0.50% · 4.625%
HK$136,019
+HK$7,802/mo
Deposit HK$26.46M · loan HK$26.46M · min. income ≈ HK$256,434/mo (50% DSR)
Upfront cash ≈ HK$28.70M (deposit + AVD stamp duty HK$2,248,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,223
−HK$7,252/mo
▼ 0.25% · 3.875%
HK$137,823
−HK$3,652/mo
Today · 4.125%
HK$141,475
baseline
▲ 0.50% · 4.625%
HK$148,932
+HK$7,457/mo
Deposit HK$26.46M · loan HK$26.46M · min. income ≈ HK$282,950/mo (50% DSR)
Upfront cash ≈ HK$28.70M (deposit + AVD stamp duty HK$2,248,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,781
−HK$9,079/mo
▼ 0.25% · 3.875%
HK$149,285
−HK$4,575/mo
Today · 4.125%
HK$153,860
baseline
▲ 0.50% · 4.625%
HK$163,222
+HK$9,362/mo
Deposit HK$21.16M · loan HK$31.75M · min. income ≈ HK$307,720/mo (50% DSR)
Upfront cash ≈ HK$23.41M (deposit + AVD stamp duty HK$2,248,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,068
−HK$8,702/mo
▼ 0.25% · 3.875%
HK$165,387
−HK$4,383/mo
Today · 4.125%
HK$169,770
baseline
▲ 0.50% · 4.625%
HK$178,718
+HK$8,948/mo
Deposit HK$21.16M · loan HK$31.75M · min. income ≈ HK$339,540/mo (50% DSR)
Upfront cash ≈ HK$23.41M (deposit + AVD stamp duty HK$2,248,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,911
−HK$10,593/mo
▼ 0.25% · 3.875%
HK$174,165
−HK$5,339/mo
Today · 4.125%
HK$179,504
baseline
▲ 0.50% · 4.625%
HK$190,426
+HK$10,922/mo
Deposit HK$15.87M · loan HK$37.04M · min. income ≈ HK$359,008/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$2,248,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,912
−HK$10,153/mo
▼ 0.25% · 3.875%
HK$192,952
−HK$5,113/mo
Today · 4.125%
HK$198,065
baseline
▲ 0.50% · 4.625%
HK$208,505
+HK$10,440/mo
Deposit HK$15.87M · loan HK$37.04M · min. income ≈ HK$396,130/mo (50% DSR)
Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$2,248,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,172
−HK$13,618/mo
▼ 0.25% · 3.875%
HK$223,927
−HK$6,863/mo
Today · 4.125%
HK$230,790
baseline
▲ 0.50% · 4.625%
HK$244,833
+HK$14,043/mo
Deposit HK$5.29M · loan HK$47.62M · min. income ≈ HK$461,580/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$2,248,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,601
−HK$13,053/mo
▼ 0.25% · 3.875%
HK$248,081
−HK$6,573/mo
Today · 4.125%
HK$254,654
baseline
▲ 0.50% · 4.625%
HK$268,078
+HK$13,424/mo
Deposit HK$5.29M · loan HK$47.62M · min. income ≈ HK$509,308/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$2,248,724 · Scale 2, in force from 26 Feb 2026)