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$120,275
−HK$7,543/mo
▼ 0.25% · 3.875%
HK$124,017
−HK$3,801/mo
Today · 4.125%
HK$127,818
baseline
▲ 0.50% · 4.625%
HK$135,595
+HK$7,777/mo
Deposit HK$26.37M · loan HK$26.37M · min. income ≈ HK$255,636/mo (50% DSR)
Upfront cash ≈ HK$28.61M (deposit + AVD stamp duty HK$2,241,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,805
−HK$7,229/mo
▼ 0.25% · 3.875%
HK$137,394
−HK$3,640/mo
Today · 4.125%
HK$141,034
baseline
▲ 0.50% · 4.625%
HK$148,468
+HK$7,434/mo
Deposit HK$26.37M · loan HK$26.37M · min. income ≈ HK$282,068/mo (50% DSR)
Upfront cash ≈ HK$28.61M (deposit + AVD stamp duty HK$2,241,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,331
−HK$9,050/mo
▼ 0.25% · 3.875%
HK$148,820
−HK$4,561/mo
Today · 4.125%
HK$153,381
baseline
▲ 0.50% · 4.625%
HK$162,714
+HK$9,333/mo
Deposit HK$21.10M · loan HK$31.65M · min. income ≈ HK$306,762/mo (50% DSR)
Upfront cash ≈ HK$23.34M (deposit + AVD stamp duty HK$2,241,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,566
−HK$8,675/mo
▼ 0.25% · 3.875%
HK$164,873
−HK$4,368/mo
Today · 4.125%
HK$169,241
baseline
▲ 0.50% · 4.625%
HK$178,162
+HK$8,921/mo
Deposit HK$21.10M · loan HK$31.65M · min. income ≈ HK$338,482/mo (50% DSR)
Upfront cash ≈ HK$23.34M (deposit + AVD stamp duty HK$2,241,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,386
−HK$10,559/mo
▼ 0.25% · 3.875%
HK$173,623
−HK$5,322/mo
Today · 4.125%
HK$178,945
baseline
▲ 0.50% · 4.625%
HK$189,833
+HK$10,888/mo
Deposit HK$15.82M · loan HK$36.92M · min. income ≈ HK$357,890/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$2,241,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,327
−HK$10,121/mo
▼ 0.25% · 3.875%
HK$192,351
−HK$5,097/mo
Today · 4.125%
HK$197,448
baseline
▲ 0.50% · 4.625%
HK$207,856
+HK$10,408/mo
Deposit HK$15.82M · loan HK$36.92M · min. income ≈ HK$394,896/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$2,241,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,496
−HK$13,576/mo
▼ 0.25% · 3.875%
HK$223,230
−HK$6,842/mo
Today · 4.125%
HK$230,072
baseline
▲ 0.50% · 4.625%
HK$244,071
+HK$13,999/mo
Deposit HK$5.27M · loan HK$47.47M · min. income ≈ HK$460,144/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$2,241,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,849
−HK$13,013/mo
▼ 0.25% · 3.875%
HK$247,309
−HK$6,553/mo
Today · 4.125%
HK$253,862
baseline
▲ 0.50% · 4.625%
HK$267,243
+HK$13,381/mo
Deposit HK$5.27M · loan HK$47.47M · min. income ≈ HK$507,724/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$2,241,726 · Scale 2, in force from 26 Feb 2026)