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$122,245
−HK$7,666/mo
▼ 0.25% · 3.875%
HK$126,048
−HK$3,863/mo
Today · 4.125%
HK$129,911
baseline
▲ 0.50% · 4.625%
HK$137,816
+HK$7,905/mo
Deposit HK$26.81M · loan HK$26.81M · min. income ≈ HK$259,822/mo (50% DSR)
Upfront cash ≈ HK$29.08M (deposit + AVD stamp duty HK$2,278,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,996
−HK$7,348/mo
▼ 0.25% · 3.875%
HK$139,644
−HK$3,700/mo
Today · 4.125%
HK$143,344
baseline
▲ 0.50% · 4.625%
HK$150,900
+HK$7,556/mo
Deposit HK$26.81M · loan HK$26.81M · min. income ≈ HK$286,688/mo (50% DSR)
Upfront cash ≈ HK$29.08M (deposit + AVD stamp duty HK$2,278,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,694
−HK$9,199/mo
▼ 0.25% · 3.875%
HK$151,257
−HK$4,636/mo
Today · 4.125%
HK$155,893
baseline
▲ 0.50% · 4.625%
HK$165,379
+HK$9,486/mo
Deposit HK$21.44M · loan HK$32.17M · min. income ≈ HK$311,786/mo (50% DSR)
Upfront cash ≈ HK$23.72M (deposit + AVD stamp duty HK$2,278,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,196
−HK$8,817/mo
▼ 0.25% · 3.875%
HK$167,572
−HK$4,441/mo
Today · 4.125%
HK$172,013
baseline
▲ 0.50% · 4.625%
HK$181,080
+HK$9,067/mo
Deposit HK$21.44M · loan HK$32.17M · min. income ≈ HK$344,026/mo (50% DSR)
Upfront cash ≈ HK$23.72M (deposit + AVD stamp duty HK$2,278,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,143
−HK$10,732/mo
▼ 0.25% · 3.875%
HK$176,467
−HK$5,408/mo
Today · 4.125%
HK$181,875
baseline
▲ 0.50% · 4.625%
HK$192,942
+HK$11,067/mo
Deposit HK$16.08M · loan HK$37.53M · min. income ≈ HK$363,750/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$2,278,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,395
−HK$10,286/mo
▼ 0.25% · 3.875%
HK$195,501
−HK$5,180/mo
Today · 4.125%
HK$200,681
baseline
▲ 0.50% · 4.625%
HK$211,260
+HK$10,579/mo
Deposit HK$16.08M · loan HK$37.53M · min. income ≈ HK$401,362/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$2,278,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,041
−HK$13,799/mo
▼ 0.25% · 3.875%
HK$226,886
−HK$6,954/mo
Today · 4.125%
HK$233,840
baseline
▲ 0.50% · 4.625%
HK$248,068
+HK$14,228/mo
Deposit HK$5.36M · loan HK$48.25M · min. income ≈ HK$467,680/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$2,278,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,793
−HK$13,226/mo
▼ 0.25% · 3.875%
HK$251,359
−HK$6,660/mo
Today · 4.125%
HK$258,019
baseline
▲ 0.50% · 4.625%
HK$271,619
+HK$13,600/mo
Deposit HK$5.36M · loan HK$48.25M · min. income ≈ HK$516,038/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$2,278,434 · Scale 2, in force from 26 Feb 2026)