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$119,878
−HK$7,518/mo
▼ 0.25% · 3.875%
HK$123,607
−HK$3,789/mo
Today · 4.125%
HK$127,396
baseline
▲ 0.50% · 4.625%
HK$135,148
+HK$7,752/mo
Deposit HK$26.29M · loan HK$26.29M · min. income ≈ HK$254,792/mo (50% DSR)
Upfront cash ≈ HK$28.52M (deposit + AVD stamp duty HK$2,234,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,363
−HK$7,206/mo
▼ 0.25% · 3.875%
HK$136,940
−HK$3,629/mo
Today · 4.125%
HK$140,569
baseline
▲ 0.50% · 4.625%
HK$147,978
+HK$7,409/mo
Deposit HK$26.29M · loan HK$26.29M · min. income ≈ HK$281,138/mo (50% DSR)
Upfront cash ≈ HK$28.52M (deposit + AVD stamp duty HK$2,234,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,854
−HK$9,021/mo
▼ 0.25% · 3.875%
HK$148,329
−HK$4,546/mo
Today · 4.125%
HK$152,875
baseline
▲ 0.50% · 4.625%
HK$162,177
+HK$9,302/mo
Deposit HK$21.03M · loan HK$31.54M · min. income ≈ HK$305,750/mo (50% DSR)
Upfront cash ≈ HK$23.26M (deposit + AVD stamp duty HK$2,234,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,036
−HK$8,646/mo
▼ 0.25% · 3.875%
HK$164,328
−HK$4,354/mo
Today · 4.125%
HK$168,682
baseline
▲ 0.50% · 4.625%
HK$177,574
+HK$8,892/mo
Deposit HK$21.03M · loan HK$31.54M · min. income ≈ HK$337,364/mo (50% DSR)
Upfront cash ≈ HK$23.26M (deposit + AVD stamp duty HK$2,234,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,830
−HK$10,524/mo
▼ 0.25% · 3.875%
HK$173,050
−HK$5,304/mo
Today · 4.125%
HK$178,354
baseline
▲ 0.50% · 4.625%
HK$189,207
+HK$10,853/mo
Deposit HK$15.77M · loan HK$36.80M · min. income ≈ HK$356,708/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$2,234,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,709
−HK$10,087/mo
▼ 0.25% · 3.875%
HK$191,716
−HK$5,080/mo
Today · 4.125%
HK$196,796
baseline
▲ 0.50% · 4.625%
HK$207,170
+HK$10,374/mo
Deposit HK$15.77M · loan HK$36.80M · min. income ≈ HK$393,592/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$2,234,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,781
−HK$13,531/mo
▼ 0.25% · 3.875%
HK$222,493
−HK$6,819/mo
Today · 4.125%
HK$229,312
baseline
▲ 0.50% · 4.625%
HK$243,266
+HK$13,954/mo
Deposit HK$5.26M · loan HK$47.32M · min. income ≈ HK$458,624/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$2,234,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,054
−HK$12,970/mo
▼ 0.25% · 3.875%
HK$246,492
−HK$6,532/mo
Today · 4.125%
HK$253,024
baseline
▲ 0.50% · 4.625%
HK$266,361
+HK$13,337/mo
Deposit HK$5.26M · loan HK$47.32M · min. income ≈ HK$506,048/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$2,234,324 · Scale 2, in force from 26 Feb 2026)