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$120,508
−HK$7,556/mo
▼ 0.25% · 3.875%
HK$124,256
−HK$3,808/mo
Today · 4.125%
HK$128,064
baseline
▲ 0.50% · 4.625%
HK$135,857
+HK$7,793/mo
Deposit HK$26.42M · loan HK$26.42M · min. income ≈ HK$256,128/mo (50% DSR)
Upfront cash ≈ HK$28.67M (deposit + AVD stamp duty HK$2,246,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,064
−HK$7,243/mo
▼ 0.25% · 3.875%
HK$137,659
−HK$3,648/mo
Today · 4.125%
HK$141,307
baseline
▲ 0.50% · 4.625%
HK$148,755
+HK$7,448/mo
Deposit HK$26.42M · loan HK$26.42M · min. income ≈ HK$282,614/mo (50% DSR)
Upfront cash ≈ HK$28.67M (deposit + AVD stamp duty HK$2,246,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,609
−HK$9,068/mo
▼ 0.25% · 3.875%
HK$149,107
−HK$4,570/mo
Today · 4.125%
HK$153,677
baseline
▲ 0.50% · 4.625%
HK$163,028
+HK$9,351/mo
Deposit HK$21.14M · loan HK$31.71M · min. income ≈ HK$307,354/mo (50% DSR)
Upfront cash ≈ HK$23.39M (deposit + AVD stamp duty HK$2,246,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,876
−HK$8,692/mo
▼ 0.25% · 3.875%
HK$165,191
−HK$4,377/mo
Today · 4.125%
HK$169,568
baseline
▲ 0.50% · 4.625%
HK$178,506
+HK$8,938/mo
Deposit HK$21.14M · loan HK$31.71M · min. income ≈ HK$339,136/mo (50% DSR)
Upfront cash ≈ HK$23.39M (deposit + AVD stamp duty HK$2,246,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,711
−HK$10,579/mo
▼ 0.25% · 3.875%
HK$173,959
−HK$5,331/mo
Today · 4.125%
HK$179,290
baseline
▲ 0.50% · 4.625%
HK$190,200
+HK$10,910/mo
Deposit HK$15.85M · loan HK$36.99M · min. income ≈ HK$358,580/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$2,246,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,689
−HK$10,140/mo
▼ 0.25% · 3.875%
HK$192,723
−HK$5,106/mo
Today · 4.125%
HK$197,829
baseline
▲ 0.50% · 4.625%
HK$208,257
+HK$10,428/mo
Deposit HK$15.85M · loan HK$36.99M · min. income ≈ HK$395,658/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$2,246,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,914
−HK$13,602/mo
▼ 0.25% · 3.875%
HK$223,661
−HK$6,855/mo
Today · 4.125%
HK$230,516
baseline
▲ 0.50% · 4.625%
HK$244,542
+HK$14,026/mo
Deposit HK$5.28M · loan HK$47.56M · min. income ≈ HK$461,032/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$2,246,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,314
−HK$13,038/mo
▼ 0.25% · 3.875%
HK$247,786
−HK$6,566/mo
Today · 4.125%
HK$254,352
baseline
▲ 0.50% · 4.625%
HK$267,759
+HK$13,407/mo
Deposit HK$5.28M · loan HK$47.56M · min. income ≈ HK$508,704/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$2,246,052 · Scale 2, in force from 26 Feb 2026)