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$121,329
−HK$7,608/mo
▼ 0.25% · 3.875%
HK$125,103
−HK$3,834/mo
Today · 4.125%
HK$128,937
baseline
▲ 0.50% · 4.625%
HK$136,783
+HK$7,846/mo
Deposit HK$26.60M · loan HK$26.60M · min. income ≈ HK$257,874/mo (50% DSR)
Upfront cash ≈ HK$28.87M (deposit + AVD stamp duty HK$2,261,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,977
−HK$7,293/mo
▼ 0.25% · 3.875%
HK$138,597
−HK$3,673/mo
Today · 4.125%
HK$142,270
baseline
▲ 0.50% · 4.625%
HK$149,769
+HK$7,499/mo
Deposit HK$26.60M · loan HK$26.60M · min. income ≈ HK$284,540/mo (50% DSR)
Upfront cash ≈ HK$28.87M (deposit + AVD stamp duty HK$2,261,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,595
−HK$9,130/mo
▼ 0.25% · 3.875%
HK$150,123
−HK$4,602/mo
Today · 4.125%
HK$154,725
baseline
▲ 0.50% · 4.625%
HK$164,139
+HK$9,414/mo
Deposit HK$21.28M · loan HK$31.93M · min. income ≈ HK$309,450/mo (50% DSR)
Upfront cash ≈ HK$23.54M (deposit + AVD stamp duty HK$2,261,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,973
−HK$8,750/mo
▼ 0.25% · 3.875%
HK$166,317
−HK$4,406/mo
Today · 4.125%
HK$170,723
baseline
▲ 0.50% · 4.625%
HK$179,722
+HK$8,999/mo
Deposit HK$21.28M · loan HK$31.93M · min. income ≈ HK$341,446/mo (50% DSR)
Upfront cash ≈ HK$23.54M (deposit + AVD stamp duty HK$2,261,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,860
−HK$10,652/mo
▼ 0.25% · 3.875%
HK$175,144
−HK$5,368/mo
Today · 4.125%
HK$180,512
baseline
▲ 0.50% · 4.625%
HK$191,496
+HK$10,984/mo
Deposit HK$15.96M · loan HK$37.25M · min. income ≈ HK$361,024/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$2,261,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,968
−HK$10,209/mo
▼ 0.25% · 3.875%
HK$194,036
−HK$5,141/mo
Today · 4.125%
HK$199,177
baseline
▲ 0.50% · 4.625%
HK$209,676
+HK$10,499/mo
Deposit HK$15.96M · loan HK$37.25M · min. income ≈ HK$398,354/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$2,261,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,392
−HK$13,695/mo
▼ 0.25% · 3.875%
HK$225,185
−HK$6,902/mo
Today · 4.125%
HK$232,087
baseline
▲ 0.50% · 4.625%
HK$246,209
+HK$14,122/mo
Deposit HK$5.32M · loan HK$47.89M · min. income ≈ HK$464,174/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$2,261,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,959
−HK$13,126/mo
▼ 0.25% · 3.875%
HK$249,475
−HK$6,610/mo
Today · 4.125%
HK$256,085
baseline
▲ 0.50% · 4.625%
HK$269,584
+HK$13,499/mo
Deposit HK$5.32M · loan HK$47.89M · min. income ≈ HK$512,170/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$2,261,358 · Scale 2, in force from 26 Feb 2026)