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$121,222
−HK$7,602/mo
▼ 0.25% · 3.875%
HK$124,993
−HK$3,831/mo
Today · 4.125%
HK$128,824
baseline
▲ 0.50% · 4.625%
HK$136,663
+HK$7,839/mo
Deposit HK$26.58M · loan HK$26.58M · min. income ≈ HK$257,648/mo (50% DSR)
Upfront cash ≈ HK$28.84M (deposit + AVD stamp duty HK$2,259,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,859
−HK$7,286/mo
▼ 0.25% · 3.875%
HK$138,475
−HK$3,670/mo
Today · 4.125%
HK$142,145
baseline
▲ 0.50% · 4.625%
HK$149,637
+HK$7,492/mo
Deposit HK$26.58M · loan HK$26.58M · min. income ≈ HK$284,290/mo (50% DSR)
Upfront cash ≈ HK$28.84M (deposit + AVD stamp duty HK$2,259,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,467
−HK$9,122/mo
▼ 0.25% · 3.875%
HK$149,992
−HK$4,597/mo
Today · 4.125%
HK$154,589
baseline
▲ 0.50% · 4.625%
HK$163,995
+HK$9,406/mo
Deposit HK$21.26M · loan HK$31.90M · min. income ≈ HK$309,178/mo (50% DSR)
Upfront cash ≈ HK$23.52M (deposit + AVD stamp duty HK$2,259,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,830
−HK$8,743/mo
▼ 0.25% · 3.875%
HK$166,170
−HK$4,403/mo
Today · 4.125%
HK$170,573
baseline
▲ 0.50% · 4.625%
HK$179,565
+HK$8,992/mo
Deposit HK$21.26M · loan HK$31.90M · min. income ≈ HK$341,146/mo (50% DSR)
Upfront cash ≈ HK$23.52M (deposit + AVD stamp duty HK$2,259,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,711
−HK$10,643/mo
▼ 0.25% · 3.875%
HK$174,990
−HK$5,364/mo
Today · 4.125%
HK$180,354
baseline
▲ 0.50% · 4.625%
HK$191,328
+HK$10,974/mo
Deposit HK$15.95M · loan HK$37.21M · min. income ≈ HK$360,708/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$2,259,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,802
−HK$10,200/mo
▼ 0.25% · 3.875%
HK$193,866
−HK$5,136/mo
Today · 4.125%
HK$199,002
baseline
▲ 0.50% · 4.625%
HK$209,492
+HK$10,490/mo
Deposit HK$15.95M · loan HK$37.21M · min. income ≈ HK$398,004/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$2,259,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,200
−HK$13,683/mo
▼ 0.25% · 3.875%
HK$224,987
−HK$6,896/mo
Today · 4.125%
HK$231,883
baseline
▲ 0.50% · 4.625%
HK$245,993
+HK$14,110/mo
Deposit HK$5.32M · loan HK$47.85M · min. income ≈ HK$463,766/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$2,259,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,745
−HK$13,115/mo
▼ 0.25% · 3.875%
HK$249,256
−HK$6,604/mo
Today · 4.125%
HK$255,860
baseline
▲ 0.50% · 4.625%
HK$269,347
+HK$13,487/mo
Deposit HK$5.32M · loan HK$47.85M · min. income ≈ HK$511,720/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$2,259,372 · Scale 2, in force from 26 Feb 2026)