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$120,790
−HK$7,575/mo
▼ 0.25% · 3.875%
HK$124,548
−HK$3,817/mo
Today · 4.125%
HK$128,365
baseline
▲ 0.50% · 4.625%
HK$136,176
+HK$7,811/mo
Deposit HK$26.49M · loan HK$26.49M · min. income ≈ HK$256,730/mo (50% DSR)
Upfront cash ≈ HK$28.74M (deposit + AVD stamp duty HK$2,251,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,378
−HK$7,260/mo
▼ 0.25% · 3.875%
HK$137,982
−HK$3,656/mo
Today · 4.125%
HK$141,638
baseline
▲ 0.50% · 4.625%
HK$149,104
+HK$7,466/mo
Deposit HK$26.49M · loan HK$26.49M · min. income ≈ HK$283,276/mo (50% DSR)
Upfront cash ≈ HK$28.74M (deposit + AVD stamp duty HK$2,251,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,948
−HK$9,090/mo
▼ 0.25% · 3.875%
HK$149,457
−HK$4,581/mo
Today · 4.125%
HK$154,038
baseline
▲ 0.50% · 4.625%
HK$163,411
+HK$9,373/mo
Deposit HK$21.19M · loan HK$31.78M · min. income ≈ HK$308,076/mo (50% DSR)
Upfront cash ≈ HK$23.44M (deposit + AVD stamp duty HK$2,251,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,254
−HK$8,712/mo
▼ 0.25% · 3.875%
HK$165,578
−HK$4,388/mo
Today · 4.125%
HK$169,966
baseline
▲ 0.50% · 4.625%
HK$178,925
+HK$8,959/mo
Deposit HK$21.19M · loan HK$31.78M · min. income ≈ HK$339,932/mo (50% DSR)
Upfront cash ≈ HK$23.44M (deposit + AVD stamp duty HK$2,251,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,106
−HK$10,605/mo
▼ 0.25% · 3.875%
HK$174,367
−HK$5,344/mo
Today · 4.125%
HK$179,711
baseline
▲ 0.50% · 4.625%
HK$190,646
+HK$10,935/mo
Deposit HK$15.89M · loan HK$37.08M · min. income ≈ HK$359,422/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$2,251,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,129
−HK$10,164/mo
▼ 0.25% · 3.875%
HK$193,175
−HK$5,118/mo
Today · 4.125%
HK$198,293
baseline
▲ 0.50% · 4.625%
HK$208,745
+HK$10,452/mo
Deposit HK$15.89M · loan HK$37.08M · min. income ≈ HK$396,586/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$2,251,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,422
−HK$13,635/mo
▼ 0.25% · 3.875%
HK$224,186
−HK$6,871/mo
Today · 4.125%
HK$231,057
baseline
▲ 0.50% · 4.625%
HK$245,116
+HK$14,059/mo
Deposit HK$5.30M · loan HK$47.68M · min. income ≈ HK$462,114/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$2,251,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,880
−HK$13,068/mo
▼ 0.25% · 3.875%
HK$248,367
−HK$6,581/mo
Today · 4.125%
HK$254,948
baseline
▲ 0.50% · 4.625%
HK$268,387
+HK$13,439/mo
Deposit HK$5.30M · loan HK$47.68M · min. income ≈ HK$509,896/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$2,251,320 · Scale 2, in force from 26 Feb 2026)