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$121,137
−HK$7,597/mo
▼ 0.25% · 3.875%
HK$124,905
−HK$3,829/mo
Today · 4.125%
HK$128,734
baseline
▲ 0.50% · 4.625%
HK$136,567
+HK$7,833/mo
Deposit HK$26.56M · loan HK$26.56M · min. income ≈ HK$257,468/mo (50% DSR)
Upfront cash ≈ HK$28.82M (deposit + AVD stamp duty HK$2,257,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,764
−HK$7,281/mo
▼ 0.25% · 3.875%
HK$138,378
−HK$3,667/mo
Today · 4.125%
HK$142,045
baseline
▲ 0.50% · 4.625%
HK$149,532
+HK$7,487/mo
Deposit HK$26.56M · loan HK$26.56M · min. income ≈ HK$284,090/mo (50% DSR)
Upfront cash ≈ HK$28.82M (deposit + AVD stamp duty HK$2,257,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,365
−HK$9,115/mo
▼ 0.25% · 3.875%
HK$149,886
−HK$4,594/mo
Today · 4.125%
HK$154,480
baseline
▲ 0.50% · 4.625%
HK$163,880
+HK$9,400/mo
Deposit HK$21.25M · loan HK$31.87M · min. income ≈ HK$308,960/mo (50% DSR)
Upfront cash ≈ HK$23.51M (deposit + AVD stamp duty HK$2,257,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,717
−HK$8,737/mo
▼ 0.25% · 3.875%
HK$166,054
−HK$4,400/mo
Today · 4.125%
HK$170,454
baseline
▲ 0.50% · 4.625%
HK$179,439
+HK$8,985/mo
Deposit HK$21.25M · loan HK$31.87M · min. income ≈ HK$340,908/mo (50% DSR)
Upfront cash ≈ HK$23.51M (deposit + AVD stamp duty HK$2,257,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,592
−HK$10,635/mo
▼ 0.25% · 3.875%
HK$174,867
−HK$5,360/mo
Today · 4.125%
HK$180,227
baseline
▲ 0.50% · 4.625%
HK$191,194
+HK$10,967/mo
Deposit HK$15.94M · loan HK$37.19M · min. income ≈ HK$360,454/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$2,257,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,670
−HK$10,193/mo
▼ 0.25% · 3.875%
HK$193,730
−HK$5,133/mo
Today · 4.125%
HK$198,863
baseline
▲ 0.50% · 4.625%
HK$209,345
+HK$10,482/mo
Deposit HK$15.94M · loan HK$37.19M · min. income ≈ HK$397,726/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$2,257,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,047
−HK$13,674/mo
▼ 0.25% · 3.875%
HK$224,830
−HK$6,891/mo
Today · 4.125%
HK$231,721
baseline
▲ 0.50% · 4.625%
HK$245,820
+HK$14,099/mo
Deposit HK$5.31M · loan HK$47.81M · min. income ≈ HK$463,442/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$2,257,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,575
−HK$13,106/mo
▼ 0.25% · 3.875%
HK$249,081
−HK$6,600/mo
Today · 4.125%
HK$255,681
baseline
▲ 0.50% · 4.625%
HK$269,158
+HK$13,477/mo
Deposit HK$5.31M · loan HK$47.81M · min. income ≈ HK$511,362/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$2,257,788 · Scale 2, in force from 26 Feb 2026)