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$121,162
−HK$7,598/mo
▼ 0.25% · 3.875%
HK$124,931
−HK$3,829/mo
Today · 4.125%
HK$128,760
baseline
▲ 0.50% · 4.625%
HK$136,594
+HK$7,834/mo
Deposit HK$26.57M · loan HK$26.57M · min. income ≈ HK$257,520/mo (50% DSR)
Upfront cash ≈ HK$28.83M (deposit + AVD stamp duty HK$2,258,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,791
−HK$7,283/mo
▼ 0.25% · 3.875%
HK$138,406
−HK$3,668/mo
Today · 4.125%
HK$142,074
baseline
▲ 0.50% · 4.625%
HK$149,563
+HK$7,489/mo
Deposit HK$26.57M · loan HK$26.57M · min. income ≈ HK$284,148/mo (50% DSR)
Upfront cash ≈ HK$28.83M (deposit + AVD stamp duty HK$2,258,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,394
−HK$9,118/mo
▼ 0.25% · 3.875%
HK$149,917
−HK$4,595/mo
Today · 4.125%
HK$154,512
baseline
▲ 0.50% · 4.625%
HK$163,913
+HK$9,401/mo
Deposit HK$21.25M · loan HK$31.88M · min. income ≈ HK$309,024/mo (50% DSR)
Upfront cash ≈ HK$23.51M (deposit + AVD stamp duty HK$2,258,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,750
−HK$8,738/mo
▼ 0.25% · 3.875%
HK$166,088
−HK$4,400/mo
Today · 4.125%
HK$170,488
baseline
▲ 0.50% · 4.625%
HK$179,475
+HK$8,987/mo
Deposit HK$21.25M · loan HK$31.88M · min. income ≈ HK$340,976/mo (50% DSR)
Upfront cash ≈ HK$23.51M (deposit + AVD stamp duty HK$2,258,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,627
−HK$10,637/mo
▼ 0.25% · 3.875%
HK$174,903
−HK$5,361/mo
Today · 4.125%
HK$180,264
baseline
▲ 0.50% · 4.625%
HK$191,232
+HK$10,968/mo
Deposit HK$15.94M · loan HK$37.19M · min. income ≈ HK$360,528/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$2,258,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,708
−HK$10,195/mo
▼ 0.25% · 3.875%
HK$193,769
−HK$5,134/mo
Today · 4.125%
HK$198,903
baseline
▲ 0.50% · 4.625%
HK$209,388
+HK$10,485/mo
Deposit HK$15.94M · loan HK$37.19M · min. income ≈ HK$397,806/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$2,258,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,091
−HK$13,677/mo
▼ 0.25% · 3.875%
HK$224,875
−HK$6,893/mo
Today · 4.125%
HK$231,768
baseline
▲ 0.50% · 4.625%
HK$245,870
+HK$14,102/mo
Deposit HK$5.31M · loan HK$47.82M · min. income ≈ HK$463,536/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$2,258,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,624
−HK$13,109/mo
▼ 0.25% · 3.875%
HK$249,131
−HK$6,602/mo
Today · 4.125%
HK$255,733
baseline
▲ 0.50% · 4.625%
HK$269,213
+HK$13,480/mo
Deposit HK$5.31M · loan HK$47.82M · min. income ≈ HK$511,466/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$2,258,245 · Scale 2, in force from 26 Feb 2026)