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$119,871
−HK$7,517/mo
▼ 0.25% · 3.875%
HK$123,600
−HK$3,788/mo
Today · 4.125%
HK$127,388
baseline
▲ 0.50% · 4.625%
HK$135,140
+HK$7,752/mo
Deposit HK$26.28M · loan HK$26.28M · min. income ≈ HK$254,776/mo (50% DSR)
Upfront cash ≈ HK$28.52M (deposit + AVD stamp duty HK$2,234,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,356
−HK$7,204/mo
▼ 0.25% · 3.875%
HK$136,932
−HK$3,628/mo
Today · 4.125%
HK$140,560
baseline
▲ 0.50% · 4.625%
HK$147,969
+HK$7,409/mo
Deposit HK$26.28M · loan HK$26.28M · min. income ≈ HK$281,120/mo (50% DSR)
Upfront cash ≈ HK$28.52M (deposit + AVD stamp duty HK$2,234,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,846
−HK$9,020/mo
▼ 0.25% · 3.875%
HK$148,320
−HK$4,546/mo
Today · 4.125%
HK$152,866
baseline
▲ 0.50% · 4.625%
HK$162,167
+HK$9,301/mo
Deposit HK$21.03M · loan HK$31.54M · min. income ≈ HK$305,732/mo (50% DSR)
Upfront cash ≈ HK$23.26M (deposit + AVD stamp duty HK$2,234,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,027
−HK$8,645/mo
▼ 0.25% · 3.875%
HK$164,319
−HK$4,353/mo
Today · 4.125%
HK$168,672
baseline
▲ 0.50% · 4.625%
HK$177,563
+HK$8,891/mo
Deposit HK$21.03M · loan HK$31.54M · min. income ≈ HK$337,344/mo (50% DSR)
Upfront cash ≈ HK$23.26M (deposit + AVD stamp duty HK$2,234,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,820
−HK$10,524/mo
▼ 0.25% · 3.875%
HK$173,040
−HK$5,304/mo
Today · 4.125%
HK$178,344
baseline
▲ 0.50% · 4.625%
HK$189,195
+HK$10,851/mo
Deposit HK$15.77M · loan HK$36.80M · min. income ≈ HK$356,688/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$2,234,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,698
−HK$10,086/mo
▼ 0.25% · 3.875%
HK$191,705
−HK$5,079/mo
Today · 4.125%
HK$196,784
baseline
▲ 0.50% · 4.625%
HK$207,157
+HK$10,373/mo
Deposit HK$15.77M · loan HK$36.80M · min. income ≈ HK$393,568/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$2,234,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,768
−HK$13,531/mo
▼ 0.25% · 3.875%
HK$222,480
−HK$6,819/mo
Today · 4.125%
HK$229,299
baseline
▲ 0.50% · 4.625%
HK$243,251
+HK$13,952/mo
Deposit HK$5.26M · loan HK$47.31M · min. income ≈ HK$458,598/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$2,234,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,040
−HK$12,969/mo
▼ 0.25% · 3.875%
HK$246,478
−HK$6,531/mo
Today · 4.125%
HK$253,009
baseline
▲ 0.50% · 4.625%
HK$266,345
+HK$13,336/mo
Deposit HK$5.26M · loan HK$47.31M · min. income ≈ HK$506,018/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$2,234,191 · Scale 2, in force from 26 Feb 2026)