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$120,257
−HK$7,541/mo
▼ 0.25% · 3.875%
HK$123,997
−HK$3,801/mo
Today · 4.125%
HK$127,798
baseline
▲ 0.50% · 4.625%
HK$135,574
+HK$7,776/mo
Deposit HK$26.37M · loan HK$26.37M · min. income ≈ HK$255,596/mo (50% DSR)
Upfront cash ≈ HK$28.61M (deposit + AVD stamp duty HK$2,241,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,784
−HK$7,228/mo
▼ 0.25% · 3.875%
HK$137,372
−HK$3,640/mo
Today · 4.125%
HK$141,012
baseline
▲ 0.50% · 4.625%
HK$148,445
+HK$7,433/mo
Deposit HK$26.37M · loan HK$26.37M · min. income ≈ HK$282,024/mo (50% DSR)
Upfront cash ≈ HK$28.61M (deposit + AVD stamp duty HK$2,241,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,308
−HK$9,049/mo
▼ 0.25% · 3.875%
HK$148,797
−HK$4,560/mo
Today · 4.125%
HK$153,357
baseline
▲ 0.50% · 4.625%
HK$162,689
+HK$9,332/mo
Deposit HK$21.10M · loan HK$31.64M · min. income ≈ HK$306,714/mo (50% DSR)
Upfront cash ≈ HK$23.34M (deposit + AVD stamp duty HK$2,241,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,541
−HK$8,674/mo
▼ 0.25% · 3.875%
HK$164,847
−HK$4,368/mo
Today · 4.125%
HK$169,215
baseline
▲ 0.50% · 4.625%
HK$178,134
+HK$8,919/mo
Deposit HK$21.10M · loan HK$31.64M · min. income ≈ HK$338,430/mo (50% DSR)
Upfront cash ≈ HK$23.34M (deposit + AVD stamp duty HK$2,241,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,359
−HK$10,558/mo
▼ 0.25% · 3.875%
HK$173,596
−HK$5,321/mo
Today · 4.125%
HK$178,917
baseline
▲ 0.50% · 4.625%
HK$189,803
+HK$10,886/mo
Deposit HK$15.82M · loan HK$36.92M · min. income ≈ HK$357,834/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$2,241,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,298
−HK$10,119/mo
▼ 0.25% · 3.875%
HK$192,321
−HK$5,096/mo
Today · 4.125%
HK$197,417
baseline
▲ 0.50% · 4.625%
HK$207,823
+HK$10,406/mo
Deposit HK$15.82M · loan HK$36.92M · min. income ≈ HK$394,834/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$2,241,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,462
−HK$13,574/mo
▼ 0.25% · 3.875%
HK$223,195
−HK$6,841/mo
Today · 4.125%
HK$230,036
baseline
▲ 0.50% · 4.625%
HK$244,033
+HK$13,997/mo
Deposit HK$5.27M · loan HK$47.46M · min. income ≈ HK$460,072/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$2,241,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,812
−HK$13,010/mo
▼ 0.25% · 3.875%
HK$247,270
−HK$6,552/mo
Today · 4.125%
HK$253,822
baseline
▲ 0.50% · 4.625%
HK$267,201
+HK$13,379/mo
Deposit HK$5.27M · loan HK$47.46M · min. income ≈ HK$507,644/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$2,241,373 · Scale 2, in force from 26 Feb 2026)