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$122,824
−HK$7,702/mo
▼ 0.25% · 3.875%
HK$126,644
−HK$3,882/mo
Today · 4.125%
HK$130,526
baseline
▲ 0.50% · 4.625%
HK$138,468
+HK$7,942/mo
Deposit HK$26.93M · loan HK$26.93M · min. income ≈ HK$261,052/mo (50% DSR)
Upfront cash ≈ HK$29.22M (deposit + AVD stamp duty HK$2,289,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,640
−HK$7,382/mo
▼ 0.25% · 3.875%
HK$140,305
−HK$3,717/mo
Today · 4.125%
HK$144,022
baseline
▲ 0.50% · 4.625%
HK$151,614
+HK$7,592/mo
Deposit HK$26.93M · loan HK$26.93M · min. income ≈ HK$288,044/mo (50% DSR)
Upfront cash ≈ HK$29.22M (deposit + AVD stamp duty HK$2,289,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,388
−HK$9,243/mo
▼ 0.25% · 3.875%
HK$151,973
−HK$4,658/mo
Today · 4.125%
HK$156,631
baseline
▲ 0.50% · 4.625%
HK$166,161
+HK$9,530/mo
Deposit HK$21.55M · loan HK$32.32M · min. income ≈ HK$313,262/mo (50% DSR)
Upfront cash ≈ HK$23.83M (deposit + AVD stamp duty HK$2,289,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,968
−HK$8,859/mo
▼ 0.25% · 3.875%
HK$168,366
−HK$4,461/mo
Today · 4.125%
HK$172,827
baseline
▲ 0.50% · 4.625%
HK$181,937
+HK$9,110/mo
Deposit HK$21.55M · loan HK$32.32M · min. income ≈ HK$345,654/mo (50% DSR)
Upfront cash ≈ HK$23.83M (deposit + AVD stamp duty HK$2,289,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,953
−HK$10,783/mo
▼ 0.25% · 3.875%
HK$177,302
−HK$5,434/mo
Today · 4.125%
HK$182,736
baseline
▲ 0.50% · 4.625%
HK$193,855
+HK$11,119/mo
Deposit HK$16.16M · loan HK$37.70M · min. income ≈ HK$365,472/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$2,289,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,296
−HK$10,335/mo
▼ 0.25% · 3.875%
HK$196,426
−HK$5,205/mo
Today · 4.125%
HK$201,631
baseline
▲ 0.50% · 4.625%
HK$212,259
+HK$10,628/mo
Deposit HK$16.16M · loan HK$37.70M · min. income ≈ HK$403,262/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$2,289,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,082
−HK$13,864/mo
▼ 0.25% · 3.875%
HK$227,959
−HK$6,987/mo
Today · 4.125%
HK$234,946
baseline
▲ 0.50% · 4.625%
HK$249,242
+HK$14,296/mo
Deposit HK$5.39M · loan HK$48.48M · min. income ≈ HK$469,892/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$2,289,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,952
−HK$13,288/mo
▼ 0.25% · 3.875%
HK$252,548
−HK$6,692/mo
Today · 4.125%
HK$259,240
baseline
▲ 0.50% · 4.625%
HK$272,905
+HK$13,665/mo
Deposit HK$5.39M · loan HK$48.48M · min. income ≈ HK$518,480/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$2,289,217 · Scale 2, in force from 26 Feb 2026)