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$119,181
−HK$7,474/mo
▼ 0.25% · 3.875%
HK$122,888
−HK$3,767/mo
Today · 4.125%
HK$126,655
baseline
▲ 0.50% · 4.625%
HK$134,362
+HK$7,707/mo
Deposit HK$26.13M · loan HK$26.13M · min. income ≈ HK$253,310/mo (50% DSR)
Upfront cash ≈ HK$28.35M (deposit + AVD stamp duty HK$2,221,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,588
−HK$7,163/mo
▼ 0.25% · 3.875%
HK$136,144
−HK$3,607/mo
Today · 4.125%
HK$139,751
baseline
▲ 0.50% · 4.625%
HK$147,118
+HK$7,367/mo
Deposit HK$26.13M · loan HK$26.13M · min. income ≈ HK$279,502/mo (50% DSR)
Upfront cash ≈ HK$28.35M (deposit + AVD stamp duty HK$2,221,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,017
−HK$8,969/mo
▼ 0.25% · 3.875%
HK$147,466
−HK$4,520/mo
Today · 4.125%
HK$151,986
baseline
▲ 0.50% · 4.625%
HK$161,234
+HK$9,248/mo
Deposit HK$20.91M · loan HK$31.36M · min. income ≈ HK$303,972/mo (50% DSR)
Upfront cash ≈ HK$23.13M (deposit + AVD stamp duty HK$2,221,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,106
−HK$8,595/mo
▼ 0.25% · 3.875%
HK$163,373
−HK$4,328/mo
Today · 4.125%
HK$167,701
baseline
▲ 0.50% · 4.625%
HK$176,541
+HK$8,840/mo
Deposit HK$20.91M · loan HK$31.36M · min. income ≈ HK$335,402/mo (50% DSR)
Upfront cash ≈ HK$23.13M (deposit + AVD stamp duty HK$2,221,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,854
−HK$10,463/mo
▼ 0.25% · 3.875%
HK$172,044
−HK$5,273/mo
Today · 4.125%
HK$177,317
baseline
▲ 0.50% · 4.625%
HK$188,106
+HK$10,789/mo
Deposit HK$15.68M · loan HK$36.59M · min. income ≈ HK$354,634/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$2,221,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,623
−HK$10,029/mo
▼ 0.25% · 3.875%
HK$190,601
−HK$5,051/mo
Today · 4.125%
HK$195,652
baseline
▲ 0.50% · 4.625%
HK$205,965
+HK$10,313/mo
Deposit HK$15.68M · loan HK$36.59M · min. income ≈ HK$391,304/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$2,221,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,526
−HK$13,453/mo
▼ 0.25% · 3.875%
HK$221,199
−HK$6,780/mo
Today · 4.125%
HK$227,979
baseline
▲ 0.50% · 4.625%
HK$241,851
+HK$13,872/mo
Deposit HK$5.23M · loan HK$47.04M · min. income ≈ HK$455,958/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$2,221,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,658
−HK$12,894/mo
▼ 0.25% · 3.875%
HK$245,059
−HK$6,493/mo
Today · 4.125%
HK$251,552
baseline
▲ 0.50% · 4.625%
HK$264,812
+HK$13,260/mo
Deposit HK$5.23M · loan HK$47.04M · min. income ≈ HK$503,104/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$2,221,331 · Scale 2, in force from 26 Feb 2026)