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$123,104
−HK$7,720/mo
▼ 0.25% · 3.875%
HK$126,933
−HK$3,891/mo
Today · 4.125%
HK$130,824
baseline
▲ 0.50% · 4.625%
HK$138,784
+HK$7,960/mo
Deposit HK$26.99M · loan HK$26.99M · min. income ≈ HK$261,648/mo (50% DSR)
Upfront cash ≈ HK$29.29M (deposit + AVD stamp duty HK$2,294,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,952
−HK$7,399/mo
▼ 0.25% · 3.875%
HK$140,625
−HK$3,726/mo
Today · 4.125%
HK$144,351
baseline
▲ 0.50% · 4.625%
HK$151,960
+HK$7,609/mo
Deposit HK$26.99M · loan HK$26.99M · min. income ≈ HK$288,702/mo (50% DSR)
Upfront cash ≈ HK$29.29M (deposit + AVD stamp duty HK$2,294,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,725
−HK$9,263/mo
▼ 0.25% · 3.875%
HK$152,320
−HK$4,668/mo
Today · 4.125%
HK$156,988
baseline
▲ 0.50% · 4.625%
HK$166,541
+HK$9,553/mo
Deposit HK$21.59M · loan HK$32.39M · min. income ≈ HK$313,976/mo (50% DSR)
Upfront cash ≈ HK$23.89M (deposit + AVD stamp duty HK$2,294,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,342
−HK$8,879/mo
▼ 0.25% · 3.875%
HK$168,750
−HK$4,471/mo
Today · 4.125%
HK$173,221
baseline
▲ 0.50% · 4.625%
HK$182,352
+HK$9,131/mo
Deposit HK$21.59M · loan HK$32.39M · min. income ≈ HK$346,442/mo (50% DSR)
Upfront cash ≈ HK$23.89M (deposit + AVD stamp duty HK$2,294,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,345
−HK$10,808/mo
▼ 0.25% · 3.875%
HK$177,706
−HK$5,447/mo
Today · 4.125%
HK$183,153
baseline
▲ 0.50% · 4.625%
HK$194,297
+HK$11,144/mo
Deposit HK$16.20M · loan HK$37.79M · min. income ≈ HK$366,306/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$2,294,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,733
−HK$10,358/mo
▼ 0.25% · 3.875%
HK$196,875
−HK$5,216/mo
Today · 4.125%
HK$202,091
baseline
▲ 0.50% · 4.625%
HK$212,744
+HK$10,653/mo
Deposit HK$16.20M · loan HK$37.79M · min. income ≈ HK$404,182/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$2,294,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,587
−HK$13,895/mo
▼ 0.25% · 3.875%
HK$228,480
−HK$7,002/mo
Today · 4.125%
HK$235,482
baseline
▲ 0.50% · 4.625%
HK$249,811
+HK$14,329/mo
Deposit HK$5.40M · loan HK$48.59M · min. income ≈ HK$470,964/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$2,294,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,513
−HK$13,319/mo
▼ 0.25% · 3.875%
HK$253,125
−HK$6,707/mo
Today · 4.125%
HK$259,832
baseline
▲ 0.50% · 4.625%
HK$273,528
+HK$13,696/mo
Deposit HK$5.40M · loan HK$48.59M · min. income ≈ HK$519,664/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$2,294,441 · Scale 2, in force from 26 Feb 2026)