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$119,007
−HK$7,463/mo
▼ 0.25% · 3.875%
HK$122,709
−HK$3,761/mo
Today · 4.125%
HK$126,470
baseline
▲ 0.50% · 4.625%
HK$134,165
+HK$7,695/mo
Deposit HK$26.10M · loan HK$26.10M · min. income ≈ HK$252,940/mo (50% DSR)
Upfront cash ≈ HK$28.31M (deposit + AVD stamp duty HK$2,218,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,394
−HK$7,153/mo
▼ 0.25% · 3.875%
HK$135,945
−HK$3,602/mo
Today · 4.125%
HK$139,547
baseline
▲ 0.50% · 4.625%
HK$146,903
+HK$7,356/mo
Deposit HK$26.10M · loan HK$26.10M · min. income ≈ HK$279,094/mo (50% DSR)
Upfront cash ≈ HK$28.31M (deposit + AVD stamp duty HK$2,218,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,808
−HK$8,956/mo
▼ 0.25% · 3.875%
HK$147,250
−HK$4,514/mo
Today · 4.125%
HK$151,764
baseline
▲ 0.50% · 4.625%
HK$160,998
+HK$9,234/mo
Deposit HK$20.88M · loan HK$31.31M · min. income ≈ HK$303,528/mo (50% DSR)
Upfront cash ≈ HK$23.09M (deposit + AVD stamp duty HK$2,218,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,873
−HK$8,583/mo
▼ 0.25% · 3.875%
HK$163,134
−HK$4,322/mo
Today · 4.125%
HK$167,456
baseline
▲ 0.50% · 4.625%
HK$176,283
+HK$8,827/mo
Deposit HK$20.88M · loan HK$31.31M · min. income ≈ HK$334,912/mo (50% DSR)
Upfront cash ≈ HK$23.09M (deposit + AVD stamp duty HK$2,218,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,610
−HK$10,448/mo
▼ 0.25% · 3.875%
HK$171,792
−HK$5,266/mo
Today · 4.125%
HK$177,058
baseline
▲ 0.50% · 4.625%
HK$187,831
+HK$10,773/mo
Deposit HK$15.66M · loan HK$36.53M · min. income ≈ HK$354,116/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$2,218,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,352
−HK$10,014/mo
▼ 0.25% · 3.875%
HK$190,323
−HK$5,043/mo
Today · 4.125%
HK$195,366
baseline
▲ 0.50% · 4.625%
HK$205,664
+HK$10,298/mo
Deposit HK$15.66M · loan HK$36.53M · min. income ≈ HK$390,732/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$2,218,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,213
−HK$13,433/mo
▼ 0.25% · 3.875%
HK$220,876
−HK$6,770/mo
Today · 4.125%
HK$227,646
baseline
▲ 0.50% · 4.625%
HK$241,497
+HK$13,851/mo
Deposit HK$5.22M · loan HK$46.97M · min. income ≈ HK$455,292/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$2,218,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,309
−HK$12,875/mo
▼ 0.25% · 3.875%
HK$244,701
−HK$6,483/mo
Today · 4.125%
HK$251,184
baseline
▲ 0.50% · 4.625%
HK$264,425
+HK$13,241/mo
Deposit HK$5.22M · loan HK$46.97M · min. income ≈ HK$502,368/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$2,218,082 · Scale 2, in force from 26 Feb 2026)