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$120,976
−HK$7,587/mo
▼ 0.25% · 3.875%
HK$124,739
−HK$3,824/mo
Today · 4.125%
HK$128,563
baseline
▲ 0.50% · 4.625%
HK$136,385
+HK$7,822/mo
Deposit HK$26.53M · loan HK$26.53M · min. income ≈ HK$257,126/mo (50% DSR)
Upfront cash ≈ HK$28.78M (deposit + AVD stamp duty HK$2,254,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,585
−HK$7,271/mo
▼ 0.25% · 3.875%
HK$138,194
−HK$3,662/mo
Today · 4.125%
HK$141,856
baseline
▲ 0.50% · 4.625%
HK$149,334
+HK$7,478/mo
Deposit HK$26.53M · loan HK$26.53M · min. income ≈ HK$283,712/mo (50% DSR)
Upfront cash ≈ HK$28.78M (deposit + AVD stamp duty HK$2,254,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,172
−HK$9,103/mo
▼ 0.25% · 3.875%
HK$149,687
−HK$4,588/mo
Today · 4.125%
HK$154,275
baseline
▲ 0.50% · 4.625%
HK$163,662
+HK$9,387/mo
Deposit HK$21.22M · loan HK$31.83M · min. income ≈ HK$308,550/mo (50% DSR)
Upfront cash ≈ HK$23.48M (deposit + AVD stamp duty HK$2,254,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,502
−HK$8,725/mo
▼ 0.25% · 3.875%
HK$165,833
−HK$4,394/mo
Today · 4.125%
HK$170,227
baseline
▲ 0.50% · 4.625%
HK$179,200
+HK$8,973/mo
Deposit HK$21.22M · loan HK$31.83M · min. income ≈ HK$340,454/mo (50% DSR)
Upfront cash ≈ HK$23.48M (deposit + AVD stamp duty HK$2,254,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,367
−HK$10,621/mo
▼ 0.25% · 3.875%
HK$174,635
−HK$5,353/mo
Today · 4.125%
HK$179,988
baseline
▲ 0.50% · 4.625%
HK$190,940
+HK$10,952/mo
Deposit HK$15.92M · loan HK$37.14M · min. income ≈ HK$359,976/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$2,254,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,419
−HK$10,180/mo
▼ 0.25% · 3.875%
HK$193,472
−HK$5,127/mo
Today · 4.125%
HK$198,599
baseline
▲ 0.50% · 4.625%
HK$209,067
+HK$10,468/mo
Deposit HK$15.92M · loan HK$37.14M · min. income ≈ HK$397,198/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$2,254,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,757
−HK$13,656/mo
▼ 0.25% · 3.875%
HK$224,531
−HK$6,882/mo
Today · 4.125%
HK$231,413
baseline
▲ 0.50% · 4.625%
HK$245,494
+HK$14,081/mo
Deposit HK$5.31M · loan HK$47.75M · min. income ≈ HK$462,826/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$2,254,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,253
−HK$13,088/mo
▼ 0.25% · 3.875%
HK$248,750
−HK$6,591/mo
Today · 4.125%
HK$255,341
baseline
▲ 0.50% · 4.625%
HK$268,801
+HK$13,460/mo
Deposit HK$5.31M · loan HK$47.75M · min. income ≈ HK$510,682/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$2,254,789 · Scale 2, in force from 26 Feb 2026)