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$120,974
−HK$7,587/mo
▼ 0.25% · 3.875%
HK$124,737
−HK$3,824/mo
Today · 4.125%
HK$128,561
baseline
▲ 0.50% · 4.625%
HK$136,383
+HK$7,822/mo
Deposit HK$26.53M · loan HK$26.53M · min. income ≈ HK$257,122/mo (50% DSR)
Upfront cash ≈ HK$28.78M (deposit + AVD stamp duty HK$2,254,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,583
−HK$7,271/mo
▼ 0.25% · 3.875%
HK$138,192
−HK$3,662/mo
Today · 4.125%
HK$141,854
baseline
▲ 0.50% · 4.625%
HK$149,331
+HK$7,477/mo
Deposit HK$26.53M · loan HK$26.53M · min. income ≈ HK$283,708/mo (50% DSR)
Upfront cash ≈ HK$28.78M (deposit + AVD stamp duty HK$2,254,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,169
−HK$9,104/mo
▼ 0.25% · 3.875%
HK$149,685
−HK$4,588/mo
Today · 4.125%
HK$154,273
baseline
▲ 0.50% · 4.625%
HK$163,660
+HK$9,387/mo
Deposit HK$21.22M · loan HK$31.83M · min. income ≈ HK$308,546/mo (50% DSR)
Upfront cash ≈ HK$23.48M (deposit + AVD stamp duty HK$2,254,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,499
−HK$8,726/mo
▼ 0.25% · 3.875%
HK$165,831
−HK$4,394/mo
Today · 4.125%
HK$170,225
baseline
▲ 0.50% · 4.625%
HK$179,197
+HK$8,972/mo
Deposit HK$21.22M · loan HK$31.83M · min. income ≈ HK$340,450/mo (50% DSR)
Upfront cash ≈ HK$23.48M (deposit + AVD stamp duty HK$2,254,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,364
−HK$10,621/mo
▼ 0.25% · 3.875%
HK$174,632
−HK$5,353/mo
Today · 4.125%
HK$179,985
baseline
▲ 0.50% · 4.625%
HK$190,936
+HK$10,951/mo
Deposit HK$15.92M · loan HK$37.14M · min. income ≈ HK$359,970/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$2,254,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,416
−HK$10,179/mo
▼ 0.25% · 3.875%
HK$193,469
−HK$5,126/mo
Today · 4.125%
HK$198,595
baseline
▲ 0.50% · 4.625%
HK$209,064
+HK$10,469/mo
Deposit HK$15.92M · loan HK$37.14M · min. income ≈ HK$397,190/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$2,254,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,754
−HK$13,655/mo
▼ 0.25% · 3.875%
HK$224,527
−HK$6,882/mo
Today · 4.125%
HK$231,409
baseline
▲ 0.50% · 4.625%
HK$245,490
+HK$14,081/mo
Deposit HK$5.31M · loan HK$47.75M · min. income ≈ HK$462,818/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$2,254,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,249
−HK$13,088/mo
▼ 0.25% · 3.875%
HK$248,746
−HK$6,591/mo
Today · 4.125%
HK$255,337
baseline
▲ 0.50% · 4.625%
HK$268,796
+HK$13,459/mo
Deposit HK$5.31M · loan HK$47.75M · min. income ≈ HK$510,674/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$2,254,751 · Scale 2, in force from 26 Feb 2026)