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$121,428
−HK$7,615/mo
▼ 0.25% · 3.875%
HK$125,205
−HK$3,838/mo
Today · 4.125%
HK$129,043
baseline
▲ 0.50% · 4.625%
HK$136,895
+HK$7,852/mo
Deposit HK$26.63M · loan HK$26.63M · min. income ≈ HK$258,086/mo (50% DSR)
Upfront cash ≈ HK$28.89M (deposit + AVD stamp duty HK$2,263,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,088
−HK$7,298/mo
▼ 0.25% · 3.875%
HK$138,711
−HK$3,675/mo
Today · 4.125%
HK$142,386
baseline
▲ 0.50% · 4.625%
HK$149,891
+HK$7,505/mo
Deposit HK$26.63M · loan HK$26.63M · min. income ≈ HK$284,772/mo (50% DSR)
Upfront cash ≈ HK$28.89M (deposit + AVD stamp duty HK$2,263,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,714
−HK$9,137/mo
▼ 0.25% · 3.875%
HK$150,246
−HK$4,605/mo
Today · 4.125%
HK$154,851
baseline
▲ 0.50% · 4.625%
HK$164,274
+HK$9,423/mo
Deposit HK$21.30M · loan HK$31.95M · min. income ≈ HK$309,702/mo (50% DSR)
Upfront cash ≈ HK$23.56M (deposit + AVD stamp duty HK$2,263,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,105
−HK$8,758/mo
▼ 0.25% · 3.875%
HK$166,453
−HK$4,410/mo
Today · 4.125%
HK$170,863
baseline
▲ 0.50% · 4.625%
HK$179,870
+HK$9,007/mo
Deposit HK$21.30M · loan HK$31.95M · min. income ≈ HK$341,726/mo (50% DSR)
Upfront cash ≈ HK$23.56M (deposit + AVD stamp duty HK$2,263,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,999
−HK$10,661/mo
▼ 0.25% · 3.875%
HK$175,287
−HK$5,373/mo
Today · 4.125%
HK$180,660
baseline
▲ 0.50% · 4.625%
HK$191,653
+HK$10,993/mo
Deposit HK$15.98M · loan HK$37.28M · min. income ≈ HK$361,320/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$2,263,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,123
−HK$10,217/mo
▼ 0.25% · 3.875%
HK$194,195
−HK$5,145/mo
Today · 4.125%
HK$199,340
baseline
▲ 0.50% · 4.625%
HK$209,848
+HK$10,508/mo
Deposit HK$15.98M · loan HK$37.28M · min. income ≈ HK$398,680/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$2,263,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,571
−HK$13,706/mo
▼ 0.25% · 3.875%
HK$225,369
−HK$6,908/mo
Today · 4.125%
HK$232,277
baseline
▲ 0.50% · 4.625%
HK$246,410
+HK$14,133/mo
Deposit HK$5.33M · loan HK$47.93M · min. income ≈ HK$464,554/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$2,263,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,158
−HK$13,137/mo
▼ 0.25% · 3.875%
HK$249,679
−HK$6,616/mo
Today · 4.125%
HK$256,295
baseline
▲ 0.50% · 4.625%
HK$269,804
+HK$13,509/mo
Deposit HK$5.33M · loan HK$47.93M · min. income ≈ HK$512,590/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$2,263,208 · Scale 2, in force from 26 Feb 2026)