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$121,069
−HK$7,593/mo
▼ 0.25% · 3.875%
HK$124,835
−HK$3,827/mo
Today · 4.125%
HK$128,662
baseline
▲ 0.50% · 4.625%
HK$136,490
+HK$7,828/mo
Deposit HK$26.55M · loan HK$26.55M · min. income ≈ HK$257,324/mo (50% DSR)
Upfront cash ≈ HK$28.80M (deposit + AVD stamp duty HK$2,256,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,689
−HK$7,276/mo
▼ 0.25% · 3.875%
HK$138,301
−HK$3,664/mo
Today · 4.125%
HK$141,965
baseline
▲ 0.50% · 4.625%
HK$149,449
+HK$7,484/mo
Deposit HK$26.55M · loan HK$26.55M · min. income ≈ HK$283,930/mo (50% DSR)
Upfront cash ≈ HK$28.80M (deposit + AVD stamp duty HK$2,256,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,283
−HK$9,111/mo
▼ 0.25% · 3.875%
HK$149,802
−HK$4,592/mo
Today · 4.125%
HK$154,394
baseline
▲ 0.50% · 4.625%
HK$163,788
+HK$9,394/mo
Deposit HK$21.24M · loan HK$31.86M · min. income ≈ HK$308,788/mo (50% DSR)
Upfront cash ≈ HK$23.49M (deposit + AVD stamp duty HK$2,256,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,626
−HK$8,732/mo
▼ 0.25% · 3.875%
HK$165,961
−HK$4,397/mo
Today · 4.125%
HK$170,358
baseline
▲ 0.50% · 4.625%
HK$179,338
+HK$8,980/mo
Deposit HK$21.24M · loan HK$31.86M · min. income ≈ HK$340,716/mo (50% DSR)
Upfront cash ≈ HK$23.49M (deposit + AVD stamp duty HK$2,256,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,497
−HK$10,629/mo
▼ 0.25% · 3.875%
HK$174,770
−HK$5,356/mo
Today · 4.125%
HK$180,126
baseline
▲ 0.50% · 4.625%
HK$191,086
+HK$10,960/mo
Deposit HK$15.93M · loan HK$37.17M · min. income ≈ HK$360,252/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$2,256,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,564
−HK$10,188/mo
▼ 0.25% · 3.875%
HK$193,621
−HK$5,131/mo
Today · 4.125%
HK$198,752
baseline
▲ 0.50% · 4.625%
HK$209,228
+HK$10,476/mo
Deposit HK$15.93M · loan HK$37.17M · min. income ≈ HK$397,504/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$2,256,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,925
−HK$13,666/mo
▼ 0.25% · 3.875%
HK$224,704
−HK$6,887/mo
Today · 4.125%
HK$231,591
baseline
▲ 0.50% · 4.625%
HK$245,683
+HK$14,092/mo
Deposit HK$5.31M · loan HK$47.79M · min. income ≈ HK$463,182/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$2,256,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,439
−HK$13,099/mo
▼ 0.25% · 3.875%
HK$248,942
−HK$6,596/mo
Today · 4.125%
HK$255,538
baseline
▲ 0.50% · 4.625%
HK$269,007
+HK$13,469/mo
Deposit HK$5.31M · loan HK$47.79M · min. income ≈ HK$511,076/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$2,256,524 · Scale 2, in force from 26 Feb 2026)