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$122,313
−HK$7,671/mo
▼ 0.25% · 3.875%
HK$126,118
−HK$3,866/mo
Today · 4.125%
HK$129,984
baseline
▲ 0.50% · 4.625%
HK$137,893
+HK$7,909/mo
Deposit HK$26.82M · loan HK$26.82M · min. income ≈ HK$259,968/mo (50% DSR)
Upfront cash ≈ HK$29.10M (deposit + AVD stamp duty HK$2,279,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,072
−HK$7,352/mo
▼ 0.25% · 3.875%
HK$139,722
−HK$3,702/mo
Today · 4.125%
HK$143,424
baseline
▲ 0.50% · 4.625%
HK$150,984
+HK$7,560/mo
Deposit HK$26.82M · loan HK$26.82M · min. income ≈ HK$286,848/mo (50% DSR)
Upfront cash ≈ HK$29.10M (deposit + AVD stamp duty HK$2,279,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,776
−HK$9,204/mo
▼ 0.25% · 3.875%
HK$151,342
−HK$4,638/mo
Today · 4.125%
HK$155,980
baseline
▲ 0.50% · 4.625%
HK$165,471
+HK$9,491/mo
Deposit HK$21.46M · loan HK$32.18M · min. income ≈ HK$311,960/mo (50% DSR)
Upfront cash ≈ HK$23.74M (deposit + AVD stamp duty HK$2,279,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,287
−HK$8,822/mo
▼ 0.25% · 3.875%
HK$167,666
−HK$4,443/mo
Today · 4.125%
HK$172,109
baseline
▲ 0.50% · 4.625%
HK$181,181
+HK$9,072/mo
Deposit HK$21.46M · loan HK$32.18M · min. income ≈ HK$344,218/mo (50% DSR)
Upfront cash ≈ HK$23.74M (deposit + AVD stamp duty HK$2,279,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,239
−HK$10,738/mo
▼ 0.25% · 3.875%
HK$176,565
−HK$5,412/mo
Today · 4.125%
HK$181,977
baseline
▲ 0.50% · 4.625%
HK$193,050
+HK$11,073/mo
Deposit HK$16.09M · loan HK$37.55M · min. income ≈ HK$363,954/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$2,279,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,501
−HK$10,293/mo
▼ 0.25% · 3.875%
HK$195,611
−HK$5,183/mo
Today · 4.125%
HK$200,794
baseline
▲ 0.50% · 4.625%
HK$211,378
+HK$10,584/mo
Deposit HK$16.09M · loan HK$37.55M · min. income ≈ HK$401,588/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$2,279,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,164
−HK$13,806/mo
▼ 0.25% · 3.875%
HK$227,013
−HK$6,957/mo
Today · 4.125%
HK$233,970
baseline
▲ 0.50% · 4.625%
HK$248,207
+HK$14,237/mo
Deposit HK$5.36M · loan HK$48.28M · min. income ≈ HK$467,940/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$2,279,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,930
−HK$13,233/mo
▼ 0.25% · 3.875%
HK$251,499
−HK$6,664/mo
Today · 4.125%
HK$258,163
baseline
▲ 0.50% · 4.625%
HK$271,771
+HK$13,608/mo
Deposit HK$5.36M · loan HK$48.28M · min. income ≈ HK$516,326/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$2,279,709 · Scale 2, in force from 26 Feb 2026)