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$122,562
−HK$7,685/mo
▼ 0.25% · 3.875%
HK$126,374
−HK$3,873/mo
Today · 4.125%
HK$130,247
baseline
▲ 0.50% · 4.625%
HK$138,173
+HK$7,926/mo
Deposit HK$26.87M · loan HK$26.87M · min. income ≈ HK$260,494/mo (50% DSR)
Upfront cash ≈ HK$29.16M (deposit + AVD stamp duty HK$2,284,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,349
−HK$7,366/mo
▼ 0.25% · 3.875%
HK$140,006
−HK$3,709/mo
Today · 4.125%
HK$143,715
baseline
▲ 0.50% · 4.625%
HK$151,291
+HK$7,576/mo
Deposit HK$26.87M · loan HK$26.87M · min. income ≈ HK$287,430/mo (50% DSR)
Upfront cash ≈ HK$29.16M (deposit + AVD stamp duty HK$2,284,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,074
−HK$9,223/mo
▼ 0.25% · 3.875%
HK$151,649
−HK$4,648/mo
Today · 4.125%
HK$156,297
baseline
▲ 0.50% · 4.625%
HK$165,807
+HK$9,510/mo
Deposit HK$21.50M · loan HK$32.25M · min. income ≈ HK$312,594/mo (50% DSR)
Upfront cash ≈ HK$23.78M (deposit + AVD stamp duty HK$2,284,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,618
−HK$8,840/mo
▼ 0.25% · 3.875%
HK$168,007
−HK$4,451/mo
Today · 4.125%
HK$172,458
baseline
▲ 0.50% · 4.625%
HK$181,549
+HK$9,091/mo
Deposit HK$21.50M · loan HK$32.25M · min. income ≈ HK$344,916/mo (50% DSR)
Upfront cash ≈ HK$23.78M (deposit + AVD stamp duty HK$2,284,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,586
−HK$10,760/mo
▼ 0.25% · 3.875%
HK$176,924
−HK$5,422/mo
Today · 4.125%
HK$182,346
baseline
▲ 0.50% · 4.625%
HK$193,442
+HK$11,096/mo
Deposit HK$16.12M · loan HK$37.62M · min. income ≈ HK$364,692/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$2,284,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,888
−HK$10,313/mo
▼ 0.25% · 3.875%
HK$196,008
−HK$5,193/mo
Today · 4.125%
HK$201,201
baseline
▲ 0.50% · 4.625%
HK$211,807
+HK$10,606/mo
Deposit HK$16.12M · loan HK$37.62M · min. income ≈ HK$402,402/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$2,284,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,611
−HK$13,834/mo
▼ 0.25% · 3.875%
HK$227,473
−HK$6,972/mo
Today · 4.125%
HK$234,445
baseline
▲ 0.50% · 4.625%
HK$248,711
+HK$14,266/mo
Deposit HK$5.37M · loan HK$48.37M · min. income ≈ HK$468,890/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$2,284,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,428
−HK$13,259/mo
▼ 0.25% · 3.875%
HK$252,010
−HK$6,677/mo
Today · 4.125%
HK$258,687
baseline
▲ 0.50% · 4.625%
HK$272,323
+HK$13,636/mo
Deposit HK$5.37M · loan HK$48.37M · min. income ≈ HK$517,374/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$2,284,338 · Scale 2, in force from 26 Feb 2026)