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$122,429
−HK$7,678/mo
▼ 0.25% · 3.875%
HK$126,237
−HK$3,870/mo
Today · 4.125%
HK$130,107
baseline
▲ 0.50% · 4.625%
HK$138,023
+HK$7,916/mo
Deposit HK$26.85M · loan HK$26.85M · min. income ≈ HK$260,214/mo (50% DSR)
Upfront cash ≈ HK$29.13M (deposit + AVD stamp duty HK$2,281,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,201
−HK$7,359/mo
▼ 0.25% · 3.875%
HK$139,854
−HK$3,706/mo
Today · 4.125%
HK$143,560
baseline
▲ 0.50% · 4.625%
HK$151,127
+HK$7,567/mo
Deposit HK$26.85M · loan HK$26.85M · min. income ≈ HK$287,120/mo (50% DSR)
Upfront cash ≈ HK$29.13M (deposit + AVD stamp duty HK$2,281,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,915
−HK$9,213/mo
▼ 0.25% · 3.875%
HK$151,485
−HK$4,643/mo
Today · 4.125%
HK$156,128
baseline
▲ 0.50% · 4.625%
HK$165,628
+HK$9,500/mo
Deposit HK$21.48M · loan HK$32.21M · min. income ≈ HK$312,256/mo (50% DSR)
Upfront cash ≈ HK$23.76M (deposit + AVD stamp duty HK$2,281,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,442
−HK$8,830/mo
▼ 0.25% · 3.875%
HK$167,825
−HK$4,447/mo
Today · 4.125%
HK$172,272
baseline
▲ 0.50% · 4.625%
HK$181,352
+HK$9,080/mo
Deposit HK$21.48M · loan HK$32.21M · min. income ≈ HK$344,544/mo (50% DSR)
Upfront cash ≈ HK$23.76M (deposit + AVD stamp duty HK$2,281,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,401
−HK$10,748/mo
▼ 0.25% · 3.875%
HK$176,732
−HK$5,417/mo
Today · 4.125%
HK$182,149
baseline
▲ 0.50% · 4.625%
HK$193,233
+HK$11,084/mo
Deposit HK$16.11M · loan HK$37.58M · min. income ≈ HK$364,298/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$2,281,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,682
−HK$10,302/mo
▼ 0.25% · 3.875%
HK$195,796
−HK$5,188/mo
Today · 4.125%
HK$200,984
baseline
▲ 0.50% · 4.625%
HK$211,578
+HK$10,594/mo
Deposit HK$16.11M · loan HK$37.58M · min. income ≈ HK$401,968/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$2,281,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,373
−HK$13,819/mo
▼ 0.25% · 3.875%
HK$227,227
−HK$6,965/mo
Today · 4.125%
HK$234,192
baseline
▲ 0.50% · 4.625%
HK$248,442
+HK$14,250/mo
Deposit HK$5.37M · loan HK$48.32M · min. income ≈ HK$468,384/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$2,281,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,162
−HK$13,246/mo
▼ 0.25% · 3.875%
HK$251,737
−HK$6,671/mo
Today · 4.125%
HK$258,408
baseline
▲ 0.50% · 4.625%
HK$272,029
+HK$13,621/mo
Deposit HK$5.37M · loan HK$48.32M · min. income ≈ HK$516,816/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$2,281,867 · Scale 2, in force from 26 Feb 2026)