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$118,668
−HK$7,441/mo
▼ 0.25% · 3.875%
HK$122,359
−HK$3,750/mo
Today · 4.125%
HK$126,109
baseline
▲ 0.50% · 4.625%
HK$133,783
+HK$7,674/mo
Deposit HK$26.02M · loan HK$26.02M · min. income ≈ HK$252,218/mo (50% DSR)
Upfront cash ≈ HK$28.23M (deposit + AVD stamp duty HK$2,211,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,017
−HK$7,132/mo
▼ 0.25% · 3.875%
HK$135,557
−HK$3,592/mo
Today · 4.125%
HK$139,149
baseline
▲ 0.50% · 4.625%
HK$146,484
+HK$7,335/mo
Deposit HK$26.02M · loan HK$26.02M · min. income ≈ HK$278,298/mo (50% DSR)
Upfront cash ≈ HK$28.23M (deposit + AVD stamp duty HK$2,211,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,401
−HK$8,930/mo
▼ 0.25% · 3.875%
HK$146,831
−HK$4,500/mo
Today · 4.125%
HK$151,331
baseline
▲ 0.50% · 4.625%
HK$160,539
+HK$9,208/mo
Deposit HK$20.82M · loan HK$31.22M · min. income ≈ HK$302,662/mo (50% DSR)
Upfront cash ≈ HK$23.03M (deposit + AVD stamp duty HK$2,211,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,420
−HK$8,559/mo
▼ 0.25% · 3.875%
HK$162,669
−HK$4,310/mo
Today · 4.125%
HK$166,979
baseline
▲ 0.50% · 4.625%
HK$175,781
+HK$8,802/mo
Deposit HK$20.82M · loan HK$31.22M · min. income ≈ HK$333,958/mo (50% DSR)
Upfront cash ≈ HK$23.03M (deposit + AVD stamp duty HK$2,211,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,135
−HK$10,418/mo
▼ 0.25% · 3.875%
HK$171,303
−HK$5,250/mo
Today · 4.125%
HK$176,553
baseline
▲ 0.50% · 4.625%
HK$187,296
+HK$10,743/mo
Deposit HK$15.61M · loan HK$36.43M · min. income ≈ HK$353,106/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$2,211,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,824
−HK$9,985/mo
▼ 0.25% · 3.875%
HK$189,780
−HK$5,029/mo
Today · 4.125%
HK$194,809
baseline
▲ 0.50% · 4.625%
HK$205,078
+HK$10,269/mo
Deposit HK$15.61M · loan HK$36.43M · min. income ≈ HK$389,618/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$2,211,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,602
−HK$13,395/mo
▼ 0.25% · 3.875%
HK$220,246
−HK$6,751/mo
Today · 4.125%
HK$226,997
baseline
▲ 0.50% · 4.625%
HK$240,809
+HK$13,812/mo
Deposit HK$5.20M · loan HK$46.84M · min. income ≈ HK$453,994/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$2,211,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,630
−HK$12,839/mo
▼ 0.25% · 3.875%
HK$244,003
−HK$6,466/mo
Today · 4.125%
HK$250,469
baseline
▲ 0.50% · 4.625%
HK$263,671
+HK$13,202/mo
Deposit HK$5.20M · loan HK$46.84M · min. income ≈ HK$500,938/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$2,211,763 · Scale 2, in force from 26 Feb 2026)