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$121,581
−HK$7,624/mo
▼ 0.25% · 3.875%
HK$125,363
−HK$3,842/mo
Today · 4.125%
HK$129,205
baseline
▲ 0.50% · 4.625%
HK$137,067
+HK$7,862/mo
Deposit HK$26.66M · loan HK$26.66M · min. income ≈ HK$258,410/mo (50% DSR)
Upfront cash ≈ HK$28.93M (deposit + AVD stamp duty HK$2,266,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,258
−HK$7,307/mo
▼ 0.25% · 3.875%
HK$138,885
−HK$3,680/mo
Today · 4.125%
HK$142,565
baseline
▲ 0.50% · 4.625%
HK$150,080
+HK$7,515/mo
Deposit HK$26.66M · loan HK$26.66M · min. income ≈ HK$285,130/mo (50% DSR)
Upfront cash ≈ HK$28.93M (deposit + AVD stamp duty HK$2,266,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,897
−HK$9,149/mo
▼ 0.25% · 3.875%
HK$150,435
−HK$4,611/mo
Today · 4.125%
HK$155,046
baseline
▲ 0.50% · 4.625%
HK$164,480
+HK$9,434/mo
Deposit HK$21.33M · loan HK$31.99M · min. income ≈ HK$310,092/mo (50% DSR)
Upfront cash ≈ HK$23.59M (deposit + AVD stamp duty HK$2,266,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,309
−HK$8,769/mo
▼ 0.25% · 3.875%
HK$166,662
−HK$4,416/mo
Today · 4.125%
HK$171,078
baseline
▲ 0.50% · 4.625%
HK$180,096
+HK$9,018/mo
Deposit HK$21.33M · loan HK$31.99M · min. income ≈ HK$342,156/mo (50% DSR)
Upfront cash ≈ HK$23.59M (deposit + AVD stamp duty HK$2,266,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,213
−HK$10,674/mo
▼ 0.25% · 3.875%
HK$175,508
−HK$5,379/mo
Today · 4.125%
HK$180,887
baseline
▲ 0.50% · 4.625%
HK$191,894
+HK$11,007/mo
Deposit HK$16.00M · loan HK$37.32M · min. income ≈ HK$361,774/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$2,266,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,361
−HK$10,230/mo
▼ 0.25% · 3.875%
HK$194,439
−HK$5,152/mo
Today · 4.125%
HK$199,591
baseline
▲ 0.50% · 4.625%
HK$210,112
+HK$10,521/mo
Deposit HK$16.00M · loan HK$37.32M · min. income ≈ HK$399,182/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$2,266,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,846
−HK$13,723/mo
▼ 0.25% · 3.875%
HK$225,653
−HK$6,916/mo
Today · 4.125%
HK$232,569
baseline
▲ 0.50% · 4.625%
HK$246,721
+HK$14,152/mo
Deposit HK$5.33M · loan HK$47.99M · min. income ≈ HK$465,138/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$2,266,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,464
−HK$13,153/mo
▼ 0.25% · 3.875%
HK$249,993
−HK$6,624/mo
Today · 4.125%
HK$256,617
baseline
▲ 0.50% · 4.625%
HK$270,144
+HK$13,527/mo
Deposit HK$5.33M · loan HK$47.99M · min. income ≈ HK$513,234/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$2,266,057 · Scale 2, in force from 26 Feb 2026)