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$119,977
−HK$7,524/mo
▼ 0.25% · 3.875%
HK$123,709
−HK$3,792/mo
Today · 4.125%
HK$127,501
baseline
▲ 0.50% · 4.625%
HK$135,259
+HK$7,758/mo
Deposit HK$26.31M · loan HK$26.31M · min. income ≈ HK$255,002/mo (50% DSR)
Upfront cash ≈ HK$28.54M (deposit + AVD stamp duty HK$2,236,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,474
−HK$7,211/mo
▼ 0.25% · 3.875%
HK$137,053
−HK$3,632/mo
Today · 4.125%
HK$140,685
baseline
▲ 0.50% · 4.625%
HK$148,100
+HK$7,415/mo
Deposit HK$26.31M · loan HK$26.31M · min. income ≈ HK$281,370/mo (50% DSR)
Upfront cash ≈ HK$28.54M (deposit + AVD stamp duty HK$2,236,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,973
−HK$9,028/mo
▼ 0.25% · 3.875%
HK$148,451
−HK$4,550/mo
Today · 4.125%
HK$153,001
baseline
▲ 0.50% · 4.625%
HK$162,311
+HK$9,310/mo
Deposit HK$21.05M · loan HK$31.57M · min. income ≈ HK$306,002/mo (50% DSR)
Upfront cash ≈ HK$23.28M (deposit + AVD stamp duty HK$2,236,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,168
−HK$8,654/mo
▼ 0.25% · 3.875%
HK$164,464
−HK$4,358/mo
Today · 4.125%
HK$168,822
baseline
▲ 0.50% · 4.625%
HK$177,720
+HK$8,898/mo
Deposit HK$21.05M · loan HK$31.57M · min. income ≈ HK$337,644/mo (50% DSR)
Upfront cash ≈ HK$23.28M (deposit + AVD stamp duty HK$2,236,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,968
−HK$10,533/mo
▼ 0.25% · 3.875%
HK$173,193
−HK$5,308/mo
Today · 4.125%
HK$178,501
baseline
▲ 0.50% · 4.625%
HK$189,363
+HK$10,862/mo
Deposit HK$15.78M · loan HK$36.83M · min. income ≈ HK$357,002/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$2,236,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,863
−HK$10,096/mo
▼ 0.25% · 3.875%
HK$191,875
−HK$5,084/mo
Today · 4.125%
HK$196,959
baseline
▲ 0.50% · 4.625%
HK$207,341
+HK$10,382/mo
Deposit HK$15.78M · loan HK$36.83M · min. income ≈ HK$393,918/mo (50% DSR)
Upfront cash ≈ HK$18.02M (deposit + AVD stamp duty HK$2,236,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,959
−HK$13,543/mo
▼ 0.25% · 3.875%
HK$222,677
−HK$6,825/mo
Today · 4.125%
HK$229,502
baseline
▲ 0.50% · 4.625%
HK$243,466
+HK$13,964/mo
Deposit HK$5.26M · loan HK$47.35M · min. income ≈ HK$459,004/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$2,236,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,252
−HK$12,980/mo
▼ 0.25% · 3.875%
HK$246,696
−HK$6,536/mo
Today · 4.125%
HK$253,232
baseline
▲ 0.50% · 4.625%
HK$266,581
+HK$13,349/mo
Deposit HK$5.26M · loan HK$47.35M · min. income ≈ HK$506,464/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$2,236,168 · Scale 2, in force from 26 Feb 2026)