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$121,003
−HK$7,588/mo
▼ 0.25% · 3.875%
HK$124,767
−HK$3,824/mo
Today · 4.125%
HK$128,591
baseline
▲ 0.50% · 4.625%
HK$136,416
+HK$7,825/mo
Deposit HK$26.53M · loan HK$26.53M · min. income ≈ HK$257,182/mo (50% DSR)
Upfront cash ≈ HK$28.79M (deposit + AVD stamp duty HK$2,255,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,615
−HK$7,273/mo
▼ 0.25% · 3.875%
HK$138,225
−HK$3,663/mo
Today · 4.125%
HK$141,888
baseline
▲ 0.50% · 4.625%
HK$149,367
+HK$7,479/mo
Deposit HK$26.53M · loan HK$26.53M · min. income ≈ HK$283,776/mo (50% DSR)
Upfront cash ≈ HK$28.79M (deposit + AVD stamp duty HK$2,255,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,204
−HK$9,106/mo
▼ 0.25% · 3.875%
HK$149,721
−HK$4,589/mo
Today · 4.125%
HK$154,310
baseline
▲ 0.50% · 4.625%
HK$163,699
+HK$9,389/mo
Deposit HK$21.23M · loan HK$31.84M · min. income ≈ HK$308,620/mo (50% DSR)
Upfront cash ≈ HK$23.48M (deposit + AVD stamp duty HK$2,255,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,538
−HK$8,727/mo
▼ 0.25% · 3.875%
HK$165,870
−HK$4,395/mo
Today · 4.125%
HK$170,265
baseline
▲ 0.50% · 4.625%
HK$179,240
+HK$8,975/mo
Deposit HK$21.23M · loan HK$31.84M · min. income ≈ HK$340,530/mo (50% DSR)
Upfront cash ≈ HK$23.48M (deposit + AVD stamp duty HK$2,255,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,405
−HK$10,623/mo
▼ 0.25% · 3.875%
HK$174,674
−HK$5,354/mo
Today · 4.125%
HK$180,028
baseline
▲ 0.50% · 4.625%
HK$190,982
+HK$10,954/mo
Deposit HK$15.92M · loan HK$37.15M · min. income ≈ HK$360,056/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$2,255,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,461
−HK$10,182/mo
▼ 0.25% · 3.875%
HK$193,515
−HK$5,128/mo
Today · 4.125%
HK$198,643
baseline
▲ 0.50% · 4.625%
HK$209,114
+HK$10,471/mo
Deposit HK$15.92M · loan HK$37.15M · min. income ≈ HK$397,286/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$2,255,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,806
−HK$13,658/mo
▼ 0.25% · 3.875%
HK$224,581
−HK$6,883/mo
Today · 4.125%
HK$231,464
baseline
▲ 0.50% · 4.625%
HK$245,548
+HK$14,084/mo
Deposit HK$5.31M · loan HK$47.76M · min. income ≈ HK$462,928/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$2,255,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,307
−HK$13,091/mo
▼ 0.25% · 3.875%
HK$248,805
−HK$6,593/mo
Today · 4.125%
HK$255,398
baseline
▲ 0.50% · 4.625%
HK$268,860
+HK$13,462/mo
Deposit HK$5.31M · loan HK$47.76M · min. income ≈ HK$510,796/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$2,255,291 · Scale 2, in force from 26 Feb 2026)