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$119,353
−HK$7,484/mo
▼ 0.25% · 3.875%
HK$123,065
−HK$3,772/mo
Today · 4.125%
HK$126,837
baseline
▲ 0.50% · 4.625%
HK$134,555
+HK$7,718/mo
Deposit HK$26.17M · loan HK$26.17M · min. income ≈ HK$253,674/mo (50% DSR)
Upfront cash ≈ HK$28.40M (deposit + AVD stamp duty HK$2,224,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,779
−HK$7,173/mo
▼ 0.25% · 3.875%
HK$136,340
−HK$3,612/mo
Today · 4.125%
HK$139,952
baseline
▲ 0.50% · 4.625%
HK$147,329
+HK$7,377/mo
Deposit HK$26.17M · loan HK$26.17M · min. income ≈ HK$279,904/mo (50% DSR)
Upfront cash ≈ HK$28.40M (deposit + AVD stamp duty HK$2,224,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,223
−HK$8,982/mo
▼ 0.25% · 3.875%
HK$147,678
−HK$4,527/mo
Today · 4.125%
HK$152,205
baseline
▲ 0.50% · 4.625%
HK$161,466
+HK$9,261/mo
Deposit HK$20.94M · loan HK$31.41M · min. income ≈ HK$304,410/mo (50% DSR)
Upfront cash ≈ HK$23.16M (deposit + AVD stamp duty HK$2,224,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,334
−HK$8,609/mo
▼ 0.25% · 3.875%
HK$163,608
−HK$4,335/mo
Today · 4.125%
HK$167,943
baseline
▲ 0.50% · 4.625%
HK$176,795
+HK$8,852/mo
Deposit HK$20.94M · loan HK$31.41M · min. income ≈ HK$335,886/mo (50% DSR)
Upfront cash ≈ HK$23.16M (deposit + AVD stamp duty HK$2,224,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,094
−HK$10,478/mo
▼ 0.25% · 3.875%
HK$172,291
−HK$5,281/mo
Today · 4.125%
HK$177,572
baseline
▲ 0.50% · 4.625%
HK$188,377
+HK$10,805/mo
Deposit HK$15.70M · loan HK$36.64M · min. income ≈ HK$355,144/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$2,224,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,890
−HK$10,043/mo
▼ 0.25% · 3.875%
HK$190,876
−HK$5,057/mo
Today · 4.125%
HK$195,933
baseline
▲ 0.50% · 4.625%
HK$206,261
+HK$10,328/mo
Deposit HK$15.70M · loan HK$36.64M · min. income ≈ HK$391,866/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$2,224,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,835
−HK$13,472/mo
▼ 0.25% · 3.875%
HK$221,517
−HK$6,790/mo
Today · 4.125%
HK$228,307
baseline
▲ 0.50% · 4.625%
HK$242,199
+HK$13,892/mo
Deposit HK$5.23M · loan HK$47.11M · min. income ≈ HK$456,614/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$2,224,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,002
−HK$12,912/mo
▼ 0.25% · 3.875%
HK$245,411
−HK$6,503/mo
Today · 4.125%
HK$251,914
baseline
▲ 0.50% · 4.625%
HK$265,193
+HK$13,279/mo
Deposit HK$5.23M · loan HK$47.11M · min. income ≈ HK$503,828/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$2,224,525 · Scale 2, in force from 26 Feb 2026)