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$120,540
−HK$7,559/mo
▼ 0.25% · 3.875%
HK$124,290
−HK$3,809/mo
Today · 4.125%
HK$128,099
baseline
▲ 0.50% · 4.625%
HK$135,894
+HK$7,795/mo
Deposit HK$26.43M · loan HK$26.43M · min. income ≈ HK$256,198/mo (50% DSR)
Upfront cash ≈ HK$28.68M (deposit + AVD stamp duty HK$2,246,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,100
−HK$7,245/mo
▼ 0.25% · 3.875%
HK$137,696
−HK$3,649/mo
Today · 4.125%
HK$141,345
baseline
▲ 0.50% · 4.625%
HK$148,795
+HK$7,450/mo
Deposit HK$26.43M · loan HK$26.43M · min. income ≈ HK$282,690/mo (50% DSR)
Upfront cash ≈ HK$28.68M (deposit + AVD stamp duty HK$2,246,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,648
−HK$9,071/mo
▼ 0.25% · 3.875%
HK$149,148
−HK$4,571/mo
Today · 4.125%
HK$153,719
baseline
▲ 0.50% · 4.625%
HK$163,073
+HK$9,354/mo
Deposit HK$21.15M · loan HK$31.72M · min. income ≈ HK$307,438/mo (50% DSR)
Upfront cash ≈ HK$23.39M (deposit + AVD stamp duty HK$2,246,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,920
−HK$8,694/mo
▼ 0.25% · 3.875%
HK$165,236
−HK$4,378/mo
Today · 4.125%
HK$169,614
baseline
▲ 0.50% · 4.625%
HK$178,555
+HK$8,941/mo
Deposit HK$21.15M · loan HK$31.72M · min. income ≈ HK$339,228/mo (50% DSR)
Upfront cash ≈ HK$23.39M (deposit + AVD stamp duty HK$2,246,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,757
−HK$10,582/mo
▼ 0.25% · 3.875%
HK$174,006
−HK$5,333/mo
Today · 4.125%
HK$179,339
baseline
▲ 0.50% · 4.625%
HK$190,251
+HK$10,912/mo
Deposit HK$15.86M · loan HK$37.00M · min. income ≈ HK$358,678/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$2,246,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,740
−HK$10,143/mo
▼ 0.25% · 3.875%
HK$192,775
−HK$5,108/mo
Today · 4.125%
HK$197,883
baseline
▲ 0.50% · 4.625%
HK$208,314
+HK$10,431/mo
Deposit HK$15.86M · loan HK$37.00M · min. income ≈ HK$395,766/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$2,246,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,973
−HK$13,606/mo
▼ 0.25% · 3.875%
HK$223,722
−HK$6,857/mo
Today · 4.125%
HK$230,579
baseline
▲ 0.50% · 4.625%
HK$244,609
+HK$14,030/mo
Deposit HK$5.29M · loan HK$47.58M · min. income ≈ HK$461,158/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$2,246,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,380
−HK$13,041/mo
▼ 0.25% · 3.875%
HK$247,854
−HK$6,567/mo
Today · 4.125%
HK$254,421
baseline
▲ 0.50% · 4.625%
HK$267,832
+HK$13,411/mo
Deposit HK$5.29M · loan HK$47.58M · min. income ≈ HK$508,842/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$2,246,663 · Scale 2, in force from 26 Feb 2026)