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$120,780
−HK$7,574/mo
▼ 0.25% · 3.875%
HK$124,537
−HK$3,817/mo
Today · 4.125%
HK$128,354
baseline
▲ 0.50% · 4.625%
HK$136,164
+HK$7,810/mo
Deposit HK$26.48M · loan HK$26.48M · min. income ≈ HK$256,708/mo (50% DSR)
Upfront cash ≈ HK$28.74M (deposit + AVD stamp duty HK$2,251,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,367
−HK$7,259/mo
▼ 0.25% · 3.875%
HK$137,971
−HK$3,655/mo
Today · 4.125%
HK$141,626
baseline
▲ 0.50% · 4.625%
HK$149,092
+HK$7,466/mo
Deposit HK$26.48M · loan HK$26.48M · min. income ≈ HK$283,252/mo (50% DSR)
Upfront cash ≈ HK$28.74M (deposit + AVD stamp duty HK$2,251,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,936
−HK$9,089/mo
▼ 0.25% · 3.875%
HK$149,445
−HK$4,580/mo
Today · 4.125%
HK$154,025
baseline
▲ 0.50% · 4.625%
HK$163,397
+HK$9,372/mo
Deposit HK$21.19M · loan HK$31.78M · min. income ≈ HK$308,050/mo (50% DSR)
Upfront cash ≈ HK$23.44M (deposit + AVD stamp duty HK$2,251,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,240
−HK$8,712/mo
▼ 0.25% · 3.875%
HK$165,565
−HK$4,387/mo
Today · 4.125%
HK$169,952
baseline
▲ 0.50% · 4.625%
HK$178,910
+HK$8,958/mo
Deposit HK$21.19M · loan HK$31.78M · min. income ≈ HK$339,904/mo (50% DSR)
Upfront cash ≈ HK$23.44M (deposit + AVD stamp duty HK$2,251,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,092
−HK$10,604/mo
▼ 0.25% · 3.875%
HK$174,352
−HK$5,344/mo
Today · 4.125%
HK$179,696
baseline
▲ 0.50% · 4.625%
HK$190,630
+HK$10,934/mo
Deposit HK$15.89M · loan HK$37.08M · min. income ≈ HK$359,392/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$2,251,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,114
−HK$10,163/mo
▼ 0.25% · 3.875%
HK$193,159
−HK$5,118/mo
Today · 4.125%
HK$198,277
baseline
▲ 0.50% · 4.625%
HK$208,728
+HK$10,451/mo
Deposit HK$15.89M · loan HK$37.08M · min. income ≈ HK$396,554/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$2,251,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,405
−HK$13,633/mo
▼ 0.25% · 3.875%
HK$224,167
−HK$6,871/mo
Today · 4.125%
HK$231,038
baseline
▲ 0.50% · 4.625%
HK$245,096
+HK$14,058/mo
Deposit HK$5.30M · loan HK$47.67M · min. income ≈ HK$462,076/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$2,251,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,860
−HK$13,067/mo
▼ 0.25% · 3.875%
HK$248,347
−HK$6,580/mo
Today · 4.125%
HK$254,927
baseline
▲ 0.50% · 4.625%
HK$268,365
+HK$13,438/mo
Deposit HK$5.30M · loan HK$47.67M · min. income ≈ HK$509,854/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$2,251,135 · Scale 2, in force from 26 Feb 2026)