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$121,797
−HK$7,638/mo
▼ 0.25% · 3.875%
HK$125,586
−HK$3,849/mo
Today · 4.125%
HK$129,435
baseline
▲ 0.50% · 4.625%
HK$137,311
+HK$7,876/mo
Deposit HK$26.71M · loan HK$26.71M · min. income ≈ HK$258,870/mo (50% DSR)
Upfront cash ≈ HK$28.98M (deposit + AVD stamp duty HK$2,270,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,498
−HK$7,321/mo
▼ 0.25% · 3.875%
HK$139,132
−HK$3,687/mo
Today · 4.125%
HK$142,819
baseline
▲ 0.50% · 4.625%
HK$150,347
+HK$7,528/mo
Deposit HK$26.71M · loan HK$26.71M · min. income ≈ HK$285,638/mo (50% DSR)
Upfront cash ≈ HK$28.98M (deposit + AVD stamp duty HK$2,270,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,157
−HK$9,165/mo
▼ 0.25% · 3.875%
HK$150,703
−HK$4,619/mo
Today · 4.125%
HK$155,322
baseline
▲ 0.50% · 4.625%
HK$164,773
+HK$9,451/mo
Deposit HK$21.37M · loan HK$32.05M · min. income ≈ HK$310,644/mo (50% DSR)
Upfront cash ≈ HK$23.64M (deposit + AVD stamp duty HK$2,270,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,598
−HK$8,784/mo
▼ 0.25% · 3.875%
HK$166,959
−HK$4,423/mo
Today · 4.125%
HK$171,382
baseline
▲ 0.50% · 4.625%
HK$180,416
+HK$9,034/mo
Deposit HK$21.37M · loan HK$32.05M · min. income ≈ HK$342,764/mo (50% DSR)
Upfront cash ≈ HK$23.64M (deposit + AVD stamp duty HK$2,270,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,516
−HK$10,693/mo
▼ 0.25% · 3.875%
HK$175,820
−HK$5,389/mo
Today · 4.125%
HK$181,209
baseline
▲ 0.50% · 4.625%
HK$192,235
+HK$11,026/mo
Deposit HK$16.02M · loan HK$37.39M · min. income ≈ HK$362,418/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$2,270,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,697
−HK$10,249/mo
▼ 0.25% · 3.875%
HK$194,785
−HK$5,161/mo
Today · 4.125%
HK$199,946
baseline
▲ 0.50% · 4.625%
HK$210,486
+HK$10,540/mo
Deposit HK$16.02M · loan HK$37.39M · min. income ≈ HK$399,892/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$2,270,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,235
−HK$13,748/mo
▼ 0.25% · 3.875%
HK$226,054
−HK$6,929/mo
Today · 4.125%
HK$232,983
baseline
▲ 0.50% · 4.625%
HK$247,159
+HK$14,176/mo
Deposit HK$5.34M · loan HK$48.07M · min. income ≈ HK$465,966/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$2,270,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,897
−HK$13,177/mo
▼ 0.25% · 3.875%
HK$250,438
−HK$6,636/mo
Today · 4.125%
HK$257,074
baseline
▲ 0.50% · 4.625%
HK$270,624
+HK$13,550/mo
Deposit HK$5.34M · loan HK$48.07M · min. income ≈ HK$514,148/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$2,270,088 · Scale 2, in force from 26 Feb 2026)