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$119,227
−HK$7,477/mo
▼ 0.25% · 3.875%
HK$122,936
−HK$3,768/mo
Today · 4.125%
HK$126,704
baseline
▲ 0.50% · 4.625%
HK$134,414
+HK$7,710/mo
Deposit HK$26.14M · loan HK$26.14M · min. income ≈ HK$253,408/mo (50% DSR)
Upfront cash ≈ HK$28.37M (deposit + AVD stamp duty HK$2,222,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,639
−HK$7,166/mo
▼ 0.25% · 3.875%
HK$136,197
−HK$3,608/mo
Today · 4.125%
HK$139,805
baseline
▲ 0.50% · 4.625%
HK$147,175
+HK$7,370/mo
Deposit HK$26.14M · loan HK$26.14M · min. income ≈ HK$279,610/mo (50% DSR)
Upfront cash ≈ HK$28.37M (deposit + AVD stamp duty HK$2,222,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,073
−HK$8,972/mo
▼ 0.25% · 3.875%
HK$147,523
−HK$4,522/mo
Today · 4.125%
HK$152,045
baseline
▲ 0.50% · 4.625%
HK$161,296
+HK$9,251/mo
Deposit HK$20.91M · loan HK$31.37M · min. income ≈ HK$304,090/mo (50% DSR)
Upfront cash ≈ HK$23.14M (deposit + AVD stamp duty HK$2,222,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,167
−HK$8,599/mo
▼ 0.25% · 3.875%
HK$163,436
−HK$4,330/mo
Today · 4.125%
HK$167,766
baseline
▲ 0.50% · 4.625%
HK$176,610
+HK$8,844/mo
Deposit HK$20.91M · loan HK$31.37M · min. income ≈ HK$335,532/mo (50% DSR)
Upfront cash ≈ HK$23.14M (deposit + AVD stamp duty HK$2,222,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,918
−HK$10,468/mo
▼ 0.25% · 3.875%
HK$172,110
−HK$5,276/mo
Today · 4.125%
HK$177,386
baseline
▲ 0.50% · 4.625%
HK$188,179
+HK$10,793/mo
Deposit HK$15.69M · loan HK$36.60M · min. income ≈ HK$354,772/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$2,222,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,695
−HK$10,032/mo
▼ 0.25% · 3.875%
HK$190,675
−HK$5,052/mo
Today · 4.125%
HK$195,727
baseline
▲ 0.50% · 4.625%
HK$206,045
+HK$10,318/mo
Deposit HK$15.69M · loan HK$36.60M · min. income ≈ HK$391,454/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$2,222,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,609
−HK$13,458/mo
▼ 0.25% · 3.875%
HK$221,285
−HK$6,782/mo
Today · 4.125%
HK$228,067
baseline
▲ 0.50% · 4.625%
HK$241,945
+HK$13,878/mo
Deposit HK$5.23M · loan HK$47.06M · min. income ≈ HK$456,134/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$2,222,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,751
−HK$12,899/mo
▼ 0.25% · 3.875%
HK$245,154
−HK$6,496/mo
Today · 4.125%
HK$251,650
baseline
▲ 0.50% · 4.625%
HK$264,914
+HK$13,264/mo
Deposit HK$5.23M · loan HK$47.06M · min. income ≈ HK$503,300/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$2,222,191 · Scale 2, in force from 26 Feb 2026)