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$122,794
−HK$7,701/mo
▼ 0.25% · 3.875%
HK$126,614
−HK$3,881/mo
Today · 4.125%
HK$130,495
baseline
▲ 0.50% · 4.625%
HK$138,435
+HK$7,940/mo
Deposit HK$26.93M · loan HK$26.93M · min. income ≈ HK$260,990/mo (50% DSR)
Upfront cash ≈ HK$29.21M (deposit + AVD stamp duty HK$2,288,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,608
−HK$7,380/mo
▼ 0.25% · 3.875%
HK$140,271
−HK$3,717/mo
Today · 4.125%
HK$143,988
baseline
▲ 0.50% · 4.625%
HK$151,578
+HK$7,590/mo
Deposit HK$26.93M · loan HK$26.93M · min. income ≈ HK$287,976/mo (50% DSR)
Upfront cash ≈ HK$29.21M (deposit + AVD stamp duty HK$2,288,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,353
−HK$9,241/mo
▼ 0.25% · 3.875%
HK$151,937
−HK$4,657/mo
Today · 4.125%
HK$156,594
baseline
▲ 0.50% · 4.625%
HK$166,122
+HK$9,528/mo
Deposit HK$21.54M · loan HK$32.31M · min. income ≈ HK$313,188/mo (50% DSR)
Upfront cash ≈ HK$23.83M (deposit + AVD stamp duty HK$2,288,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,929
−HK$8,857/mo
▼ 0.25% · 3.875%
HK$168,326
−HK$4,460/mo
Today · 4.125%
HK$172,786
baseline
▲ 0.50% · 4.625%
HK$181,893
+HK$9,107/mo
Deposit HK$21.54M · loan HK$32.31M · min. income ≈ HK$345,572/mo (50% DSR)
Upfront cash ≈ HK$23.83M (deposit + AVD stamp duty HK$2,288,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,912
−HK$10,781/mo
▼ 0.25% · 3.875%
HK$177,260
−HK$5,433/mo
Today · 4.125%
HK$182,693
baseline
▲ 0.50% · 4.625%
HK$193,809
+HK$11,116/mo
Deposit HK$16.16M · loan HK$37.70M · min. income ≈ HK$365,386/mo (50% DSR)
Upfront cash ≈ HK$18.44M (deposit + AVD stamp duty HK$2,288,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,251
−HK$10,332/mo
▼ 0.25% · 3.875%
HK$196,380
−HK$5,203/mo
Today · 4.125%
HK$201,583
baseline
▲ 0.50% · 4.625%
HK$212,209
+HK$10,626/mo
Deposit HK$16.16M · loan HK$37.70M · min. income ≈ HK$403,166/mo (50% DSR)
Upfront cash ≈ HK$18.44M (deposit + AVD stamp duty HK$2,288,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,030
−HK$13,861/mo
▼ 0.25% · 3.875%
HK$227,905
−HK$6,986/mo
Today · 4.125%
HK$234,891
baseline
▲ 0.50% · 4.625%
HK$249,183
+HK$14,292/mo
Deposit HK$5.39M · loan HK$48.47M · min. income ≈ HK$469,782/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$2,288,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,894
−HK$13,285/mo
▼ 0.25% · 3.875%
HK$252,488
−HK$6,691/mo
Today · 4.125%
HK$259,179
baseline
▲ 0.50% · 4.625%
HK$272,840
+HK$13,661/mo
Deposit HK$5.39M · loan HK$48.47M · min. income ≈ HK$518,358/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$2,288,675 · Scale 2, in force from 26 Feb 2026)