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$119,859
−HK$7,517/mo
▼ 0.25% · 3.875%
HK$123,588
−HK$3,788/mo
Today · 4.125%
HK$127,376
baseline
▲ 0.50% · 4.625%
HK$135,126
+HK$7,750/mo
Deposit HK$26.28M · loan HK$26.28M · min. income ≈ HK$254,752/mo (50% DSR)
Upfront cash ≈ HK$28.52M (deposit + AVD stamp duty HK$2,233,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,342
−HK$7,204/mo
▼ 0.25% · 3.875%
HK$136,919
−HK$3,627/mo
Today · 4.125%
HK$140,546
baseline
▲ 0.50% · 4.625%
HK$147,955
+HK$7,409/mo
Deposit HK$26.28M · loan HK$26.28M · min. income ≈ HK$281,092/mo (50% DSR)
Upfront cash ≈ HK$28.52M (deposit + AVD stamp duty HK$2,233,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,831
−HK$9,020/mo
▼ 0.25% · 3.875%
HK$148,305
−HK$4,546/mo
Today · 4.125%
HK$152,851
baseline
▲ 0.50% · 4.625%
HK$162,151
+HK$9,300/mo
Deposit HK$21.03M · loan HK$31.54M · min. income ≈ HK$305,702/mo (50% DSR)
Upfront cash ≈ HK$23.26M (deposit + AVD stamp duty HK$2,233,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,011
−HK$8,645/mo
▼ 0.25% · 3.875%
HK$164,302
−HK$4,354/mo
Today · 4.125%
HK$168,656
baseline
▲ 0.50% · 4.625%
HK$177,546
+HK$8,890/mo
Deposit HK$21.03M · loan HK$31.54M · min. income ≈ HK$337,312/mo (50% DSR)
Upfront cash ≈ HK$23.26M (deposit + AVD stamp duty HK$2,233,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,803
−HK$10,523/mo
▼ 0.25% · 3.875%
HK$173,023
−HK$5,303/mo
Today · 4.125%
HK$178,326
baseline
▲ 0.50% · 4.625%
HK$189,177
+HK$10,851/mo
Deposit HK$15.77M · loan HK$36.79M · min. income ≈ HK$356,652/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$2,233,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,679
−HK$10,086/mo
▼ 0.25% · 3.875%
HK$191,686
−HK$5,079/mo
Today · 4.125%
HK$196,765
baseline
▲ 0.50% · 4.625%
HK$207,137
+HK$10,372/mo
Deposit HK$15.77M · loan HK$36.79M · min. income ≈ HK$393,530/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$2,233,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,747
−HK$13,529/mo
▼ 0.25% · 3.875%
HK$222,458
−HK$6,818/mo
Today · 4.125%
HK$229,276
baseline
▲ 0.50% · 4.625%
HK$243,227
+HK$13,951/mo
Deposit HK$5.26M · loan HK$47.31M · min. income ≈ HK$458,552/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$2,233,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,016
−HK$12,968/mo
▼ 0.25% · 3.875%
HK$246,453
−HK$6,531/mo
Today · 4.125%
HK$252,984
baseline
▲ 0.50% · 4.625%
HK$266,319
+HK$13,335/mo
Deposit HK$5.26M · loan HK$47.31M · min. income ≈ HK$505,968/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$2,233,970 · Scale 2, in force from 26 Feb 2026)