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$121,074
−HK$7,593/mo
▼ 0.25% · 3.875%
HK$124,840
−HK$3,827/mo
Today · 4.125%
HK$128,667
baseline
▲ 0.50% · 4.625%
HK$136,496
+HK$7,829/mo
Deposit HK$26.55M · loan HK$26.55M · min. income ≈ HK$257,334/mo (50% DSR)
Upfront cash ≈ HK$28.81M (deposit + AVD stamp duty HK$2,256,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,694
−HK$7,277/mo
▼ 0.25% · 3.875%
HK$138,306
−HK$3,665/mo
Today · 4.125%
HK$141,971
baseline
▲ 0.50% · 4.625%
HK$149,455
+HK$7,484/mo
Deposit HK$26.55M · loan HK$26.55M · min. income ≈ HK$283,942/mo (50% DSR)
Upfront cash ≈ HK$28.81M (deposit + AVD stamp duty HK$2,256,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,289
−HK$9,111/mo
▼ 0.25% · 3.875%
HK$149,809
−HK$4,591/mo
Today · 4.125%
HK$154,400
baseline
▲ 0.50% · 4.625%
HK$163,795
+HK$9,395/mo
Deposit HK$21.24M · loan HK$31.86M · min. income ≈ HK$308,800/mo (50% DSR)
Upfront cash ≈ HK$23.50M (deposit + AVD stamp duty HK$2,256,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,633
−HK$8,732/mo
▼ 0.25% · 3.875%
HK$165,968
−HK$4,397/mo
Today · 4.125%
HK$170,365
baseline
▲ 0.50% · 4.625%
HK$179,345
+HK$8,980/mo
Deposit HK$21.24M · loan HK$31.86M · min. income ≈ HK$340,730/mo (50% DSR)
Upfront cash ≈ HK$23.50M (deposit + AVD stamp duty HK$2,256,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,504
−HK$10,629/mo
▼ 0.25% · 3.875%
HK$174,777
−HK$5,356/mo
Today · 4.125%
HK$180,133
baseline
▲ 0.50% · 4.625%
HK$191,094
+HK$10,961/mo
Deposit HK$15.93M · loan HK$37.17M · min. income ≈ HK$360,266/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$2,256,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,572
−HK$10,188/mo
▼ 0.25% · 3.875%
HK$193,629
−HK$5,131/mo
Today · 4.125%
HK$198,760
baseline
▲ 0.50% · 4.625%
HK$209,236
+HK$10,476/mo
Deposit HK$15.93M · loan HK$37.17M · min. income ≈ HK$397,520/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$2,256,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,934
−HK$13,666/mo
▼ 0.25% · 3.875%
HK$224,713
−HK$6,887/mo
Today · 4.125%
HK$231,600
baseline
▲ 0.50% · 4.625%
HK$245,692
+HK$14,092/mo
Deposit HK$5.31M · loan HK$47.79M · min. income ≈ HK$463,200/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$2,256,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,449
−HK$13,099/mo
▼ 0.25% · 3.875%
HK$248,952
−HK$6,596/mo
Today · 4.125%
HK$255,548
baseline
▲ 0.50% · 4.625%
HK$269,018
+HK$13,470/mo
Deposit HK$5.31M · loan HK$47.79M · min. income ≈ HK$511,096/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$2,256,615 · Scale 2, in force from 26 Feb 2026)