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$121,771
−HK$7,636/mo
▼ 0.25% · 3.875%
HK$125,559
−HK$3,848/mo
Today · 4.125%
HK$129,407
baseline
▲ 0.50% · 4.625%
HK$137,282
+HK$7,875/mo
Deposit HK$26.70M · loan HK$26.70M · min. income ≈ HK$258,814/mo (50% DSR)
Upfront cash ≈ HK$28.97M (deposit + AVD stamp duty HK$2,269,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,469
−HK$7,319/mo
▼ 0.25% · 3.875%
HK$139,103
−HK$3,685/mo
Today · 4.125%
HK$142,788
baseline
▲ 0.50% · 4.625%
HK$150,315
+HK$7,527/mo
Deposit HK$26.70M · loan HK$26.70M · min. income ≈ HK$285,576/mo (50% DSR)
Upfront cash ≈ HK$28.97M (deposit + AVD stamp duty HK$2,269,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,126
−HK$9,163/mo
▼ 0.25% · 3.875%
HK$150,671
−HK$4,618/mo
Today · 4.125%
HK$155,289
baseline
▲ 0.50% · 4.625%
HK$164,738
+HK$9,449/mo
Deposit HK$21.36M · loan HK$32.04M · min. income ≈ HK$310,578/mo (50% DSR)
Upfront cash ≈ HK$23.63M (deposit + AVD stamp duty HK$2,269,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,563
−HK$8,783/mo
▼ 0.25% · 3.875%
HK$166,923
−HK$4,423/mo
Today · 4.125%
HK$171,346
baseline
▲ 0.50% · 4.625%
HK$180,378
+HK$9,032/mo
Deposit HK$21.36M · loan HK$32.04M · min. income ≈ HK$342,692/mo (50% DSR)
Upfront cash ≈ HK$23.63M (deposit + AVD stamp duty HK$2,269,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,480
−HK$10,690/mo
▼ 0.25% · 3.875%
HK$175,783
−HK$5,387/mo
Today · 4.125%
HK$181,170
baseline
▲ 0.50% · 4.625%
HK$192,194
+HK$11,024/mo
Deposit HK$16.02M · loan HK$37.38M · min. income ≈ HK$362,340/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$2,269,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,657
−HK$10,247/mo
▼ 0.25% · 3.875%
HK$194,744
−HK$5,160/mo
Today · 4.125%
HK$199,904
baseline
▲ 0.50% · 4.625%
HK$210,441
+HK$10,537/mo
Deposit HK$16.02M · loan HK$37.38M · min. income ≈ HK$399,808/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$2,269,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,188
−HK$13,745/mo
▼ 0.25% · 3.875%
HK$226,006
−HK$6,927/mo
Today · 4.125%
HK$232,933
baseline
▲ 0.50% · 4.625%
HK$247,107
+HK$14,174/mo
Deposit HK$5.34M · loan HK$48.06M · min. income ≈ HK$465,866/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$2,269,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,845
−HK$13,174/mo
▼ 0.25% · 3.875%
HK$250,385
−HK$6,634/mo
Today · 4.125%
HK$257,019
baseline
▲ 0.50% · 4.625%
HK$270,567
+HK$13,548/mo
Deposit HK$5.34M · loan HK$48.06M · min. income ≈ HK$514,038/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$2,269,604 · Scale 2, in force from 26 Feb 2026)