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$123,409
−HK$7,739/mo
▼ 0.25% · 3.875%
HK$127,248
−HK$3,900/mo
Today · 4.125%
HK$131,148
baseline
▲ 0.50% · 4.625%
HK$139,128
+HK$7,980/mo
Deposit HK$27.06M · loan HK$27.06M · min. income ≈ HK$262,296/mo (50% DSR)
Upfront cash ≈ HK$29.36M (deposit + AVD stamp duty HK$2,300,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,291
−HK$7,418/mo
▼ 0.25% · 3.875%
HK$140,973
−HK$3,736/mo
Today · 4.125%
HK$144,709
baseline
▲ 0.50% · 4.625%
HK$152,336
+HK$7,627/mo
Deposit HK$27.06M · loan HK$27.06M · min. income ≈ HK$289,418/mo (50% DSR)
Upfront cash ≈ HK$29.36M (deposit + AVD stamp duty HK$2,300,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,091
−HK$9,286/mo
▼ 0.25% · 3.875%
HK$152,697
−HK$4,680/mo
Today · 4.125%
HK$157,377
baseline
▲ 0.50% · 4.625%
HK$166,953
+HK$9,576/mo
Deposit HK$21.65M · loan HK$32.47M · min. income ≈ HK$314,754/mo (50% DSR)
Upfront cash ≈ HK$23.95M (deposit + AVD stamp duty HK$2,300,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,749
−HK$8,901/mo
▼ 0.25% · 3.875%
HK$169,168
−HK$4,482/mo
Today · 4.125%
HK$173,650
baseline
▲ 0.50% · 4.625%
HK$182,804
+HK$9,154/mo
Deposit HK$21.65M · loan HK$32.47M · min. income ≈ HK$347,300/mo (50% DSR)
Upfront cash ≈ HK$23.95M (deposit + AVD stamp duty HK$2,300,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,773
−HK$10,834/mo
▼ 0.25% · 3.875%
HK$178,147
−HK$5,460/mo
Today · 4.125%
HK$183,607
baseline
▲ 0.50% · 4.625%
HK$194,779
+HK$11,172/mo
Deposit HK$16.24M · loan HK$37.88M · min. income ≈ HK$367,214/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$2,300,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,208
−HK$10,384/mo
▼ 0.25% · 3.875%
HK$197,363
−HK$5,229/mo
Today · 4.125%
HK$202,592
baseline
▲ 0.50% · 4.625%
HK$213,271
+HK$10,679/mo
Deposit HK$16.24M · loan HK$37.88M · min. income ≈ HK$405,184/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$2,300,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,136
−HK$13,930/mo
▼ 0.25% · 3.875%
HK$229,046
−HK$7,020/mo
Today · 4.125%
HK$236,066
baseline
▲ 0.50% · 4.625%
HK$250,430
+HK$14,364/mo
Deposit HK$5.41M · loan HK$48.71M · min. income ≈ HK$472,132/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$2,300,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,124
−HK$13,352/mo
▼ 0.25% · 3.875%
HK$253,752
−HK$6,724/mo
Today · 4.125%
HK$260,476
baseline
▲ 0.50% · 4.625%
HK$274,206
+HK$13,730/mo
Deposit HK$5.41M · loan HK$48.71M · min. income ≈ HK$520,952/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$2,300,128 · Scale 2, in force from 26 Feb 2026)