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$119,603
−HK$7,500/mo
▼ 0.25% · 3.875%
HK$123,323
−HK$3,780/mo
Today · 4.125%
HK$127,103
baseline
▲ 0.50% · 4.625%
HK$134,837
+HK$7,734/mo
Deposit HK$26.23M · loan HK$26.23M · min. income ≈ HK$254,206/mo (50% DSR)
Upfront cash ≈ HK$28.45M (deposit + AVD stamp duty HK$2,229,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,057
−HK$7,189/mo
▼ 0.25% · 3.875%
HK$136,626
−HK$3,620/mo
Today · 4.125%
HK$140,246
baseline
▲ 0.50% · 4.625%
HK$147,638
+HK$7,392/mo
Deposit HK$26.23M · loan HK$26.23M · min. income ≈ HK$280,492/mo (50% DSR)
Upfront cash ≈ HK$28.45M (deposit + AVD stamp duty HK$2,229,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,524
−HK$9,000/mo
▼ 0.25% · 3.875%
HK$147,988
−HK$4,536/mo
Today · 4.125%
HK$152,524
baseline
▲ 0.50% · 4.625%
HK$161,805
+HK$9,281/mo
Deposit HK$20.98M · loan HK$31.47M · min. income ≈ HK$305,048/mo (50% DSR)
Upfront cash ≈ HK$23.21M (deposit + AVD stamp duty HK$2,229,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,669
−HK$8,626/mo
▼ 0.25% · 3.875%
HK$163,951
−HK$4,344/mo
Today · 4.125%
HK$168,295
baseline
▲ 0.50% · 4.625%
HK$177,166
+HK$8,871/mo
Deposit HK$20.98M · loan HK$31.47M · min. income ≈ HK$336,590/mo (50% DSR)
Upfront cash ≈ HK$23.21M (deposit + AVD stamp duty HK$2,229,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,444
−HK$10,501/mo
▼ 0.25% · 3.875%
HK$172,653
−HK$5,292/mo
Today · 4.125%
HK$177,945
baseline
▲ 0.50% · 4.625%
HK$188,772
+HK$10,827/mo
Deposit HK$15.74M · loan HK$36.72M · min. income ≈ HK$355,890/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$2,229,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,280
−HK$10,064/mo
▼ 0.25% · 3.875%
HK$191,276
−HK$5,068/mo
Today · 4.125%
HK$196,344
baseline
▲ 0.50% · 4.625%
HK$206,694
+HK$10,350/mo
Deposit HK$15.74M · loan HK$36.72M · min. income ≈ HK$392,688/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$2,229,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,286
−HK$13,500/mo
▼ 0.25% · 3.875%
HK$221,982
−HK$6,804/mo
Today · 4.125%
HK$228,786
baseline
▲ 0.50% · 4.625%
HK$242,707
+HK$13,921/mo
Deposit HK$5.25M · loan HK$47.21M · min. income ≈ HK$457,572/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$2,229,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,503
−HK$12,940/mo
▼ 0.25% · 3.875%
HK$245,926
−HK$6,517/mo
Today · 4.125%
HK$252,443
baseline
▲ 0.50% · 4.625%
HK$265,749
+HK$13,306/mo
Deposit HK$5.25M · loan HK$47.21M · min. income ≈ HK$504,886/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$2,229,193 · Scale 2, in force from 26 Feb 2026)