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$120,744
−HK$7,571/mo
▼ 0.25% · 3.875%
HK$124,499
−HK$3,816/mo
Today · 4.125%
HK$128,315
baseline
▲ 0.50% · 4.625%
HK$136,123
+HK$7,808/mo
Deposit HK$26.48M · loan HK$26.48M · min. income ≈ HK$256,630/mo (50% DSR)
Upfront cash ≈ HK$28.73M (deposit + AVD stamp duty HK$2,250,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,326
−HK$7,257/mo
▼ 0.25% · 3.875%
HK$137,929
−HK$3,654/mo
Today · 4.125%
HK$141,583
baseline
▲ 0.50% · 4.625%
HK$149,046
+HK$7,463/mo
Deposit HK$26.48M · loan HK$26.48M · min. income ≈ HK$283,166/mo (50% DSR)
Upfront cash ≈ HK$28.73M (deposit + AVD stamp duty HK$2,250,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,892
−HK$9,086/mo
▼ 0.25% · 3.875%
HK$149,399
−HK$4,579/mo
Today · 4.125%
HK$153,978
baseline
▲ 0.50% · 4.625%
HK$163,348
+HK$9,370/mo
Deposit HK$21.18M · loan HK$31.77M · min. income ≈ HK$307,956/mo (50% DSR)
Upfront cash ≈ HK$23.43M (deposit + AVD stamp duty HK$2,250,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,191
−HK$8,709/mo
▼ 0.25% · 3.875%
HK$165,514
−HK$4,386/mo
Today · 4.125%
HK$169,900
baseline
▲ 0.50% · 4.625%
HK$178,856
+HK$8,956/mo
Deposit HK$21.18M · loan HK$31.77M · min. income ≈ HK$339,800/mo (50% DSR)
Upfront cash ≈ HK$23.43M (deposit + AVD stamp duty HK$2,250,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,041
−HK$10,600/mo
▼ 0.25% · 3.875%
HK$174,299
−HK$5,342/mo
Today · 4.125%
HK$179,641
baseline
▲ 0.50% · 4.625%
HK$190,572
+HK$10,931/mo
Deposit HK$15.89M · loan HK$37.07M · min. income ≈ HK$359,282/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$2,250,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,056
−HK$10,161/mo
▼ 0.25% · 3.875%
HK$193,100
−HK$5,117/mo
Today · 4.125%
HK$198,217
baseline
▲ 0.50% · 4.625%
HK$208,665
+HK$10,448/mo
Deposit HK$15.89M · loan HK$37.07M · min. income ≈ HK$396,434/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$2,250,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,338
−HK$13,629/mo
▼ 0.25% · 3.875%
HK$224,099
−HK$6,868/mo
Today · 4.125%
HK$230,967
baseline
▲ 0.50% · 4.625%
HK$245,021
+HK$14,054/mo
Deposit HK$5.30M · loan HK$47.66M · min. income ≈ HK$461,934/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$2,250,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,787
−HK$13,063/mo
▼ 0.25% · 3.875%
HK$248,271
−HK$6,579/mo
Today · 4.125%
HK$254,850
baseline
▲ 0.50% · 4.625%
HK$268,283
+HK$13,433/mo
Deposit HK$5.30M · loan HK$47.66M · min. income ≈ HK$509,700/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$2,250,450 · Scale 2, in force from 26 Feb 2026)