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$121,242
−HK$7,603/mo
▼ 0.25% · 3.875%
HK$125,014
−HK$3,831/mo
Today · 4.125%
HK$128,845
baseline
▲ 0.50% · 4.625%
HK$136,685
+HK$7,840/mo
Deposit HK$26.59M · loan HK$26.59M · min. income ≈ HK$257,690/mo (50% DSR)
Upfront cash ≈ HK$28.84M (deposit + AVD stamp duty HK$2,259,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,881
−HK$7,287/mo
▼ 0.25% · 3.875%
HK$138,498
−HK$3,670/mo
Today · 4.125%
HK$142,168
baseline
▲ 0.50% · 4.625%
HK$149,662
+HK$7,494/mo
Deposit HK$26.59M · loan HK$26.59M · min. income ≈ HK$284,336/mo (50% DSR)
Upfront cash ≈ HK$28.84M (deposit + AVD stamp duty HK$2,259,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,491
−HK$9,123/mo
▼ 0.25% · 3.875%
HK$150,016
−HK$4,598/mo
Today · 4.125%
HK$154,614
baseline
▲ 0.50% · 4.625%
HK$164,022
+HK$9,408/mo
Deposit HK$21.27M · loan HK$31.90M · min. income ≈ HK$309,228/mo (50% DSR)
Upfront cash ≈ HK$23.53M (deposit + AVD stamp duty HK$2,259,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,857
−HK$8,745/mo
▼ 0.25% · 3.875%
HK$166,198
−HK$4,404/mo
Today · 4.125%
HK$170,602
baseline
▲ 0.50% · 4.625%
HK$179,594
+HK$8,992/mo
Deposit HK$21.27M · loan HK$31.90M · min. income ≈ HK$341,204/mo (50% DSR)
Upfront cash ≈ HK$23.53M (deposit + AVD stamp duty HK$2,259,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,739
−HK$10,644/mo
▼ 0.25% · 3.875%
HK$175,019
−HK$5,364/mo
Today · 4.125%
HK$180,383
baseline
▲ 0.50% · 4.625%
HK$191,359
+HK$10,976/mo
Deposit HK$15.95M · loan HK$37.22M · min. income ≈ HK$360,766/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$2,259,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,833
−HK$10,202/mo
▼ 0.25% · 3.875%
HK$193,898
−HK$5,137/mo
Today · 4.125%
HK$199,035
baseline
▲ 0.50% · 4.625%
HK$209,527
+HK$10,492/mo
Deposit HK$15.95M · loan HK$37.22M · min. income ≈ HK$398,070/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$2,259,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,236
−HK$13,686/mo
▼ 0.25% · 3.875%
HK$225,025
−HK$6,897/mo
Today · 4.125%
HK$231,922
baseline
▲ 0.50% · 4.625%
HK$246,033
+HK$14,111/mo
Deposit HK$5.32M · loan HK$47.85M · min. income ≈ HK$463,844/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$2,259,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,786
−HK$13,117/mo
▼ 0.25% · 3.875%
HK$249,297
−HK$6,606/mo
Today · 4.125%
HK$255,903
baseline
▲ 0.50% · 4.625%
HK$269,391
+HK$13,488/mo
Deposit HK$5.32M · loan HK$47.85M · min. income ≈ HK$511,806/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$2,259,746 · Scale 2, in force from 26 Feb 2026)