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$120,285
−HK$7,543/mo
▼ 0.25% · 3.875%
HK$124,027
−HK$3,801/mo
Today · 4.125%
HK$127,828
baseline
▲ 0.50% · 4.625%
HK$135,606
+HK$7,778/mo
Deposit HK$26.38M · loan HK$26.38M · min. income ≈ HK$255,656/mo (50% DSR)
Upfront cash ≈ HK$28.62M (deposit + AVD stamp duty HK$2,241,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,816
−HK$7,230/mo
▼ 0.25% · 3.875%
HK$137,405
−HK$3,641/mo
Today · 4.125%
HK$141,046
baseline
▲ 0.50% · 4.625%
HK$148,480
+HK$7,434/mo
Deposit HK$26.38M · loan HK$26.38M · min. income ≈ HK$282,092/mo (50% DSR)
Upfront cash ≈ HK$28.62M (deposit + AVD stamp duty HK$2,241,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,342
−HK$9,052/mo
▼ 0.25% · 3.875%
HK$148,832
−HK$4,562/mo
Today · 4.125%
HK$153,394
baseline
▲ 0.50% · 4.625%
HK$162,727
+HK$9,333/mo
Deposit HK$21.10M · loan HK$31.65M · min. income ≈ HK$306,788/mo (50% DSR)
Upfront cash ≈ HK$23.34M (deposit + AVD stamp duty HK$2,241,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,579
−HK$8,676/mo
▼ 0.25% · 3.875%
HK$164,886
−HK$4,369/mo
Today · 4.125%
HK$169,255
baseline
▲ 0.50% · 4.625%
HK$178,177
+HK$8,922/mo
Deposit HK$21.10M · loan HK$31.65M · min. income ≈ HK$338,510/mo (50% DSR)
Upfront cash ≈ HK$23.34M (deposit + AVD stamp duty HK$2,241,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,399
−HK$10,560/mo
▼ 0.25% · 3.875%
HK$173,637
−HK$5,322/mo
Today · 4.125%
HK$178,959
baseline
▲ 0.50% · 4.625%
HK$189,849
+HK$10,890/mo
Deposit HK$15.83M · loan HK$36.93M · min. income ≈ HK$357,918/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$2,241,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,342
−HK$10,122/mo
▼ 0.25% · 3.875%
HK$192,367
−HK$5,097/mo
Today · 4.125%
HK$197,464
baseline
▲ 0.50% · 4.625%
HK$207,873
+HK$10,409/mo
Deposit HK$15.83M · loan HK$36.93M · min. income ≈ HK$394,928/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$2,241,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,513
−HK$13,578/mo
▼ 0.25% · 3.875%
HK$223,248
−HK$6,843/mo
Today · 4.125%
HK$230,091
baseline
▲ 0.50% · 4.625%
HK$244,091
+HK$14,000/mo
Deposit HK$5.28M · loan HK$47.48M · min. income ≈ HK$460,182/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$2,241,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,869
−HK$13,013/mo
▼ 0.25% · 3.875%
HK$247,329
−HK$6,553/mo
Today · 4.125%
HK$253,882
baseline
▲ 0.50% · 4.625%
HK$267,265
+HK$13,383/mo
Deposit HK$5.28M · loan HK$47.48M · min. income ≈ HK$507,764/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$2,241,906 · Scale 2, in force from 26 Feb 2026)