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$122,352
−HK$7,673/mo
▼ 0.25% · 3.875%
HK$126,158
−HK$3,867/mo
Today · 4.125%
HK$130,025
baseline
▲ 0.50% · 4.625%
HK$137,937
+HK$7,912/mo
Deposit HK$26.83M · loan HK$26.83M · min. income ≈ HK$260,050/mo (50% DSR)
Upfront cash ≈ HK$29.11M (deposit + AVD stamp duty HK$2,280,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,116
−HK$7,354/mo
▼ 0.25% · 3.875%
HK$139,766
−HK$3,704/mo
Today · 4.125%
HK$143,470
baseline
▲ 0.50% · 4.625%
HK$151,032
+HK$7,562/mo
Deposit HK$26.83M · loan HK$26.83M · min. income ≈ HK$286,940/mo (50% DSR)
Upfront cash ≈ HK$29.11M (deposit + AVD stamp duty HK$2,280,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,823
−HK$9,207/mo
▼ 0.25% · 3.875%
HK$151,390
−HK$4,640/mo
Today · 4.125%
HK$156,030
baseline
▲ 0.50% · 4.625%
HK$165,524
+HK$9,494/mo
Deposit HK$21.46M · loan HK$32.19M · min. income ≈ HK$312,060/mo (50% DSR)
Upfront cash ≈ HK$23.74M (deposit + AVD stamp duty HK$2,280,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,339
−HK$8,825/mo
▼ 0.25% · 3.875%
HK$167,720
−HK$4,444/mo
Today · 4.125%
HK$172,164
baseline
▲ 0.50% · 4.625%
HK$181,239
+HK$9,075/mo
Deposit HK$21.46M · loan HK$32.19M · min. income ≈ HK$344,328/mo (50% DSR)
Upfront cash ≈ HK$23.74M (deposit + AVD stamp duty HK$2,280,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,293
−HK$10,742/mo
▼ 0.25% · 3.875%
HK$176,622
−HK$5,413/mo
Today · 4.125%
HK$182,035
baseline
▲ 0.50% · 4.625%
HK$193,111
+HK$11,076/mo
Deposit HK$16.10M · loan HK$37.56M · min. income ≈ HK$364,070/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$2,280,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,562
−HK$10,296/mo
▼ 0.25% · 3.875%
HK$195,673
−HK$5,185/mo
Today · 4.125%
HK$200,858
baseline
▲ 0.50% · 4.625%
HK$211,445
+HK$10,587/mo
Deposit HK$16.10M · loan HK$37.56M · min. income ≈ HK$401,716/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$2,280,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,234
−HK$13,811/mo
▼ 0.25% · 3.875%
HK$227,085
−HK$6,960/mo
Today · 4.125%
HK$234,045
baseline
▲ 0.50% · 4.625%
HK$248,286
+HK$14,241/mo
Deposit HK$5.37M · loan HK$48.29M · min. income ≈ HK$468,090/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$2,280,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,008
−HK$13,237/mo
▼ 0.25% · 3.875%
HK$251,579
−HK$6,666/mo
Today · 4.125%
HK$258,245
baseline
▲ 0.50% · 4.625%
HK$271,858
+HK$13,613/mo
Deposit HK$5.37M · loan HK$48.29M · min. income ≈ HK$516,490/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$2,280,435 · Scale 2, in force from 26 Feb 2026)