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$120,531
−HK$7,558/mo
▼ 0.25% · 3.875%
HK$124,280
−HK$3,809/mo
Today · 4.125%
HK$128,089
baseline
▲ 0.50% · 4.625%
HK$135,883
+HK$7,794/mo
Deposit HK$26.43M · loan HK$26.43M · min. income ≈ HK$256,178/mo (50% DSR)
Upfront cash ≈ HK$28.68M (deposit + AVD stamp duty HK$2,246,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,089
−HK$7,245/mo
▼ 0.25% · 3.875%
HK$137,685
−HK$3,649/mo
Today · 4.125%
HK$141,334
baseline
▲ 0.50% · 4.625%
HK$148,783
+HK$7,449/mo
Deposit HK$26.43M · loan HK$26.43M · min. income ≈ HK$282,668/mo (50% DSR)
Upfront cash ≈ HK$28.68M (deposit + AVD stamp duty HK$2,246,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,637
−HK$9,070/mo
▼ 0.25% · 3.875%
HK$149,136
−HK$4,571/mo
Today · 4.125%
HK$153,707
baseline
▲ 0.50% · 4.625%
HK$163,059
+HK$9,352/mo
Deposit HK$21.14M · loan HK$31.72M · min. income ≈ HK$307,414/mo (50% DSR)
Upfront cash ≈ HK$23.39M (deposit + AVD stamp duty HK$2,246,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,907
−HK$8,693/mo
▼ 0.25% · 3.875%
HK$165,222
−HK$4,378/mo
Today · 4.125%
HK$169,600
baseline
▲ 0.50% · 4.625%
HK$178,540
+HK$8,940/mo
Deposit HK$21.14M · loan HK$31.72M · min. income ≈ HK$339,200/mo (50% DSR)
Upfront cash ≈ HK$23.39M (deposit + AVD stamp duty HK$2,246,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,743
−HK$10,582/mo
▼ 0.25% · 3.875%
HK$173,992
−HK$5,333/mo
Today · 4.125%
HK$179,325
baseline
▲ 0.50% · 4.625%
HK$190,236
+HK$10,911/mo
Deposit HK$15.86M · loan HK$37.00M · min. income ≈ HK$358,650/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$2,246,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,725
−HK$10,142/mo
▼ 0.25% · 3.875%
HK$192,759
−HK$5,108/mo
Today · 4.125%
HK$197,867
baseline
▲ 0.50% · 4.625%
HK$208,297
+HK$10,430/mo
Deposit HK$15.86M · loan HK$37.00M · min. income ≈ HK$395,734/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$2,246,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,955
−HK$13,605/mo
▼ 0.25% · 3.875%
HK$223,704
−HK$6,856/mo
Today · 4.125%
HK$230,560
baseline
▲ 0.50% · 4.625%
HK$244,589
+HK$14,029/mo
Deposit HK$5.29M · loan HK$47.57M · min. income ≈ HK$461,120/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$2,246,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,360
−HK$13,040/mo
▼ 0.25% · 3.875%
HK$247,834
−HK$6,566/mo
Today · 4.125%
HK$254,400
baseline
▲ 0.50% · 4.625%
HK$267,810
+HK$13,410/mo
Deposit HK$5.29M · loan HK$47.57M · min. income ≈ HK$508,800/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$2,246,481 · Scale 2, in force from 26 Feb 2026)