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$120,795
−HK$7,575/mo
▼ 0.25% · 3.875%
HK$124,552
−HK$3,818/mo
Today · 4.125%
HK$128,370
baseline
▲ 0.50% · 4.625%
HK$136,181
+HK$7,811/mo
Deposit HK$26.49M · loan HK$26.49M · min. income ≈ HK$256,740/mo (50% DSR)
Upfront cash ≈ HK$28.74M (deposit + AVD stamp duty HK$2,251,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,383
−HK$7,261/mo
▼ 0.25% · 3.875%
HK$137,987
−HK$3,657/mo
Today · 4.125%
HK$141,644
baseline
▲ 0.50% · 4.625%
HK$149,110
+HK$7,466/mo
Deposit HK$26.49M · loan HK$26.49M · min. income ≈ HK$283,288/mo (50% DSR)
Upfront cash ≈ HK$28.74M (deposit + AVD stamp duty HK$2,251,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,954
−HK$9,090/mo
▼ 0.25% · 3.875%
HK$149,463
−HK$4,581/mo
Today · 4.125%
HK$154,044
baseline
▲ 0.50% · 4.625%
HK$163,417
+HK$9,373/mo
Deposit HK$21.19M · loan HK$31.78M · min. income ≈ HK$308,088/mo (50% DSR)
Upfront cash ≈ HK$23.44M (deposit + AVD stamp duty HK$2,251,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,260
−HK$8,712/mo
▼ 0.25% · 3.875%
HK$165,585
−HK$4,387/mo
Today · 4.125%
HK$169,972
baseline
▲ 0.50% · 4.625%
HK$178,932
+HK$8,960/mo
Deposit HK$21.19M · loan HK$31.78M · min. income ≈ HK$339,944/mo (50% DSR)
Upfront cash ≈ HK$23.44M (deposit + AVD stamp duty HK$2,251,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,113
−HK$10,605/mo
▼ 0.25% · 3.875%
HK$174,373
−HK$5,345/mo
Today · 4.125%
HK$179,718
baseline
▲ 0.50% · 4.625%
HK$190,653
+HK$10,935/mo
Deposit HK$15.89M · loan HK$37.08M · min. income ≈ HK$359,436/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$2,251,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,137
−HK$10,164/mo
▼ 0.25% · 3.875%
HK$193,182
−HK$5,119/mo
Today · 4.125%
HK$198,301
baseline
▲ 0.50% · 4.625%
HK$208,754
+HK$10,453/mo
Deposit HK$15.89M · loan HK$37.08M · min. income ≈ HK$396,602/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$2,251,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,431
−HK$13,635/mo
▼ 0.25% · 3.875%
HK$224,194
−HK$6,872/mo
Today · 4.125%
HK$231,066
baseline
▲ 0.50% · 4.625%
HK$245,126
+HK$14,060/mo
Deposit HK$5.30M · loan HK$47.68M · min. income ≈ HK$462,132/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$2,251,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,890
−HK$13,068/mo
▼ 0.25% · 3.875%
HK$248,377
−HK$6,581/mo
Today · 4.125%
HK$254,958
baseline
▲ 0.50% · 4.625%
HK$268,398
+HK$13,440/mo
Deposit HK$5.30M · loan HK$47.68M · min. income ≈ HK$509,916/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$2,251,409 · Scale 2, in force from 26 Feb 2026)