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$122,629
−HK$7,690/mo
▼ 0.25% · 3.875%
HK$126,444
−HK$3,875/mo
Today · 4.125%
HK$130,319
baseline
▲ 0.50% · 4.625%
HK$138,249
+HK$7,930/mo
Deposit HK$26.89M · loan HK$26.89M · min. income ≈ HK$260,638/mo (50% DSR)
Upfront cash ≈ HK$29.17M (deposit + AVD stamp duty HK$2,285,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,424
−HK$7,371/mo
▼ 0.25% · 3.875%
HK$140,083
−HK$3,712/mo
Today · 4.125%
HK$143,795
baseline
▲ 0.50% · 4.625%
HK$151,374
+HK$7,579/mo
Deposit HK$26.89M · loan HK$26.89M · min. income ≈ HK$287,590/mo (50% DSR)
Upfront cash ≈ HK$29.17M (deposit + AVD stamp duty HK$2,285,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,155
−HK$9,228/mo
▼ 0.25% · 3.875%
HK$151,733
−HK$4,650/mo
Today · 4.125%
HK$156,383
baseline
▲ 0.50% · 4.625%
HK$165,899
+HK$9,516/mo
Deposit HK$21.51M · loan HK$32.27M · min. income ≈ HK$312,766/mo (50% DSR)
Upfront cash ≈ HK$23.80M (deposit + AVD stamp duty HK$2,285,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,709
−HK$8,845/mo
▼ 0.25% · 3.875%
HK$168,099
−HK$4,455/mo
Today · 4.125%
HK$172,554
baseline
▲ 0.50% · 4.625%
HK$181,649
+HK$9,095/mo
Deposit HK$21.51M · loan HK$32.27M · min. income ≈ HK$345,108/mo (50% DSR)
Upfront cash ≈ HK$23.80M (deposit + AVD stamp duty HK$2,285,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,681
−HK$10,766/mo
▼ 0.25% · 3.875%
HK$177,021
−HK$5,426/mo
Today · 4.125%
HK$182,447
baseline
▲ 0.50% · 4.625%
HK$193,549
+HK$11,102/mo
Deposit HK$16.13M · loan HK$37.65M · min. income ≈ HK$364,894/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$2,285,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,994
−HK$10,318/mo
▼ 0.25% · 3.875%
HK$196,116
−HK$5,196/mo
Today · 4.125%
HK$201,312
baseline
▲ 0.50% · 4.625%
HK$211,924
+HK$10,612/mo
Deposit HK$16.13M · loan HK$37.65M · min. income ≈ HK$402,624/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$2,285,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,733
−HK$13,842/mo
▼ 0.25% · 3.875%
HK$227,599
−HK$6,976/mo
Today · 4.125%
HK$234,575
baseline
▲ 0.50% · 4.625%
HK$248,848
+HK$14,273/mo
Deposit HK$5.38M · loan HK$48.40M · min. income ≈ HK$469,150/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$2,285,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,563
−HK$13,267/mo
▼ 0.25% · 3.875%
HK$252,149
−HK$6,681/mo
Today · 4.125%
HK$258,830
baseline
▲ 0.50% · 4.625%
HK$272,474
+HK$13,644/mo
Deposit HK$5.38M · loan HK$48.40M · min. income ≈ HK$517,660/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$2,285,599 · Scale 2, in force from 26 Feb 2026)