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$120,961
−HK$7,585/mo
▼ 0.25% · 3.875%
HK$124,723
−HK$3,823/mo
Today · 4.125%
HK$128,546
baseline
▲ 0.50% · 4.625%
HK$136,368
+HK$7,822/mo
Deposit HK$26.52M · loan HK$26.52M · min. income ≈ HK$257,092/mo (50% DSR)
Upfront cash ≈ HK$28.78M (deposit + AVD stamp duty HK$2,254,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,568
−HK$7,270/mo
▼ 0.25% · 3.875%
HK$138,177
−HK$3,661/mo
Today · 4.125%
HK$141,838
baseline
▲ 0.50% · 4.625%
HK$149,314
+HK$7,476/mo
Deposit HK$26.52M · loan HK$26.52M · min. income ≈ HK$283,676/mo (50% DSR)
Upfront cash ≈ HK$28.78M (deposit + AVD stamp duty HK$2,254,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,153
−HK$9,102/mo
▼ 0.25% · 3.875%
HK$149,668
−HK$4,587/mo
Today · 4.125%
HK$154,255
baseline
▲ 0.50% · 4.625%
HK$163,641
+HK$9,386/mo
Deposit HK$21.22M · loan HK$31.83M · min. income ≈ HK$308,510/mo (50% DSR)
Upfront cash ≈ HK$23.47M (deposit + AVD stamp duty HK$2,254,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,481
−HK$8,725/mo
▼ 0.25% · 3.875%
HK$165,812
−HK$4,394/mo
Today · 4.125%
HK$170,206
baseline
▲ 0.50% · 4.625%
HK$179,177
+HK$8,971/mo
Deposit HK$21.22M · loan HK$31.83M · min. income ≈ HK$340,412/mo (50% DSR)
Upfront cash ≈ HK$23.47M (deposit + AVD stamp duty HK$2,254,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,345
−HK$10,620/mo
▼ 0.25% · 3.875%
HK$174,613
−HK$5,352/mo
Today · 4.125%
HK$179,965
baseline
▲ 0.50% · 4.625%
HK$190,915
+HK$10,950/mo
Deposit HK$15.91M · loan HK$37.13M · min. income ≈ HK$359,930/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$2,254,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,395
−HK$10,178/mo
▼ 0.25% · 3.875%
HK$193,447
−HK$5,126/mo
Today · 4.125%
HK$198,573
baseline
▲ 0.50% · 4.625%
HK$209,040
+HK$10,467/mo
Deposit HK$15.91M · loan HK$37.13M · min. income ≈ HK$397,146/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$2,254,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,729
−HK$13,654/mo
▼ 0.25% · 3.875%
HK$224,502
−HK$6,881/mo
Today · 4.125%
HK$231,383
baseline
▲ 0.50% · 4.625%
HK$245,462
+HK$14,079/mo
Deposit HK$5.30M · loan HK$47.74M · min. income ≈ HK$462,766/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$2,254,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,222
−HK$13,086/mo
▼ 0.25% · 3.875%
HK$248,718
−HK$6,590/mo
Today · 4.125%
HK$255,308
baseline
▲ 0.50% · 4.625%
HK$268,766
+HK$13,458/mo
Deposit HK$5.30M · loan HK$47.74M · min. income ≈ HK$510,616/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$2,254,499 · Scale 2, in force from 26 Feb 2026)