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$122,959
−HK$7,711/mo
▼ 0.25% · 3.875%
HK$126,784
−HK$3,886/mo
Today · 4.125%
HK$130,670
baseline
▲ 0.50% · 4.625%
HK$138,621
+HK$7,951/mo
Deposit HK$26.96M · loan HK$26.96M · min. income ≈ HK$261,340/mo (50% DSR)
Upfront cash ≈ HK$29.25M (deposit + AVD stamp duty HK$2,291,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,791
−HK$7,391/mo
▼ 0.25% · 3.875%
HK$140,460
−HK$3,722/mo
Today · 4.125%
HK$144,182
baseline
▲ 0.50% · 4.625%
HK$151,782
+HK$7,600/mo
Deposit HK$26.96M · loan HK$26.96M · min. income ≈ HK$288,364/mo (50% DSR)
Upfront cash ≈ HK$29.25M (deposit + AVD stamp duty HK$2,291,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,551
−HK$9,253/mo
▼ 0.25% · 3.875%
HK$152,141
−HK$4,663/mo
Today · 4.125%
HK$156,804
baseline
▲ 0.50% · 4.625%
HK$166,345
+HK$9,541/mo
Deposit HK$21.57M · loan HK$32.35M · min. income ≈ HK$313,608/mo (50% DSR)
Upfront cash ≈ HK$23.86M (deposit + AVD stamp duty HK$2,291,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,149
−HK$8,869/mo
▼ 0.25% · 3.875%
HK$168,552
−HK$4,466/mo
Today · 4.125%
HK$173,018
baseline
▲ 0.50% · 4.625%
HK$182,138
+HK$9,120/mo
Deposit HK$21.57M · loan HK$32.35M · min. income ≈ HK$346,036/mo (50% DSR)
Upfront cash ≈ HK$23.86M (deposit + AVD stamp duty HK$2,291,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,143
−HK$10,795/mo
▼ 0.25% · 3.875%
HK$177,498
−HK$5,440/mo
Today · 4.125%
HK$182,938
baseline
▲ 0.50% · 4.625%
HK$194,069
+HK$11,131/mo
Deposit HK$16.18M · loan HK$37.75M · min. income ≈ HK$365,876/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$2,291,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,508
−HK$10,346/mo
▼ 0.25% · 3.875%
HK$196,644
−HK$5,210/mo
Today · 4.125%
HK$201,854
baseline
▲ 0.50% · 4.625%
HK$212,494
+HK$10,640/mo
Deposit HK$16.18M · loan HK$37.75M · min. income ≈ HK$403,708/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$2,291,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,327
−HK$13,879/mo
▼ 0.25% · 3.875%
HK$228,212
−HK$6,994/mo
Today · 4.125%
HK$235,206
baseline
▲ 0.50% · 4.625%
HK$249,518
+HK$14,312/mo
Deposit HK$5.39M · loan HK$48.53M · min. income ≈ HK$470,412/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$2,291,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,224
−HK$13,303/mo
▼ 0.25% · 3.875%
HK$252,828
−HK$6,699/mo
Today · 4.125%
HK$259,527
baseline
▲ 0.50% · 4.625%
HK$273,207
+HK$13,680/mo
Deposit HK$5.39M · loan HK$48.53M · min. income ≈ HK$519,054/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$2,291,750 · Scale 2, in force from 26 Feb 2026)