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$123,109
−HK$7,720/mo
▼ 0.25% · 3.875%
HK$126,938
−HK$3,891/mo
Today · 4.125%
HK$130,829
baseline
▲ 0.50% · 4.625%
HK$138,789
+HK$7,960/mo
Deposit HK$26.99M · loan HK$26.99M · min. income ≈ HK$261,658/mo (50% DSR)
Upfront cash ≈ HK$29.29M (deposit + AVD stamp duty HK$2,294,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,957
−HK$7,399/mo
▼ 0.25% · 3.875%
HK$140,630
−HK$3,726/mo
Today · 4.125%
HK$144,356
baseline
▲ 0.50% · 4.625%
HK$151,966
+HK$7,610/mo
Deposit HK$26.99M · loan HK$26.99M · min. income ≈ HK$288,712/mo (50% DSR)
Upfront cash ≈ HK$29.29M (deposit + AVD stamp duty HK$2,294,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,730
−HK$9,264/mo
▼ 0.25% · 3.875%
HK$152,325
−HK$4,669/mo
Today · 4.125%
HK$156,994
baseline
▲ 0.50% · 4.625%
HK$166,547
+HK$9,553/mo
Deposit HK$21.60M · loan HK$32.39M · min. income ≈ HK$313,988/mo (50% DSR)
Upfront cash ≈ HK$23.89M (deposit + AVD stamp duty HK$2,294,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,348
−HK$8,880/mo
▼ 0.25% · 3.875%
HK$168,756
−HK$4,472/mo
Today · 4.125%
HK$173,228
baseline
▲ 0.50% · 4.625%
HK$182,359
+HK$9,131/mo
Deposit HK$21.60M · loan HK$32.39M · min. income ≈ HK$346,456/mo (50% DSR)
Upfront cash ≈ HK$23.89M (deposit + AVD stamp duty HK$2,294,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,352
−HK$10,808/mo
▼ 0.25% · 3.875%
HK$177,713
−HK$5,447/mo
Today · 4.125%
HK$183,160
baseline
▲ 0.50% · 4.625%
HK$194,305
+HK$11,145/mo
Deposit HK$16.20M · loan HK$37.79M · min. income ≈ HK$366,320/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$2,294,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,740
−HK$10,359/mo
▼ 0.25% · 3.875%
HK$196,882
−HK$5,217/mo
Today · 4.125%
HK$202,099
baseline
▲ 0.50% · 4.625%
HK$212,752
+HK$10,653/mo
Deposit HK$16.20M · loan HK$37.79M · min. income ≈ HK$404,198/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$2,294,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,595
−HK$13,896/mo
▼ 0.25% · 3.875%
HK$228,488
−HK$7,003/mo
Today · 4.125%
HK$235,491
baseline
▲ 0.50% · 4.625%
HK$249,820
+HK$14,329/mo
Deposit HK$5.40M · loan HK$48.59M · min. income ≈ HK$470,982/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$2,294,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,523
−HK$13,318/mo
▼ 0.25% · 3.875%
HK$253,134
−HK$6,707/mo
Today · 4.125%
HK$259,841
baseline
▲ 0.50% · 4.625%
HK$273,538
+HK$13,697/mo
Deposit HK$5.40M · loan HK$48.59M · min. income ≈ HK$519,682/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$2,294,529 · Scale 2, in force from 26 Feb 2026)