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$122,538
−HK$7,684/mo
▼ 0.25% · 3.875%
HK$126,349
−HK$3,873/mo
Today · 4.125%
HK$130,222
baseline
▲ 0.50% · 4.625%
HK$138,146
+HK$7,924/mo
Deposit HK$26.87M · loan HK$26.87M · min. income ≈ HK$260,444/mo (50% DSR)
Upfront cash ≈ HK$29.15M (deposit + AVD stamp duty HK$2,283,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,322
−HK$7,365/mo
▼ 0.25% · 3.875%
HK$139,978
−HK$3,709/mo
Today · 4.125%
HK$143,687
baseline
▲ 0.50% · 4.625%
HK$151,261
+HK$7,574/mo
Deposit HK$26.87M · loan HK$26.87M · min. income ≈ HK$287,374/mo (50% DSR)
Upfront cash ≈ HK$29.15M (deposit + AVD stamp duty HK$2,283,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,045
−HK$9,221/mo
▼ 0.25% · 3.875%
HK$151,619
−HK$4,647/mo
Today · 4.125%
HK$156,266
baseline
▲ 0.50% · 4.625%
HK$165,775
+HK$9,509/mo
Deposit HK$21.50M · loan HK$32.24M · min. income ≈ HK$312,532/mo (50% DSR)
Upfront cash ≈ HK$23.78M (deposit + AVD stamp duty HK$2,283,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,586
−HK$8,838/mo
▼ 0.25% · 3.875%
HK$167,974
−HK$4,450/mo
Today · 4.125%
HK$172,424
baseline
▲ 0.50% · 4.625%
HK$181,513
+HK$9,089/mo
Deposit HK$21.50M · loan HK$32.24M · min. income ≈ HK$344,848/mo (50% DSR)
Upfront cash ≈ HK$23.78M (deposit + AVD stamp duty HK$2,283,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,553
−HK$10,758/mo
▼ 0.25% · 3.875%
HK$176,889
−HK$5,422/mo
Today · 4.125%
HK$182,311
baseline
▲ 0.50% · 4.625%
HK$193,404
+HK$11,093/mo
Deposit HK$16.12M · loan HK$37.62M · min. income ≈ HK$364,622/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$2,283,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,851
−HK$10,311/mo
▼ 0.25% · 3.875%
HK$195,969
−HK$5,193/mo
Today · 4.125%
HK$201,162
baseline
▲ 0.50% · 4.625%
HK$211,765
+HK$10,603/mo
Deposit HK$16.12M · loan HK$37.62M · min. income ≈ HK$402,324/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$2,283,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,568
−HK$13,831/mo
▼ 0.25% · 3.875%
HK$227,429
−HK$6,970/mo
Today · 4.125%
HK$234,399
baseline
▲ 0.50% · 4.625%
HK$248,662
+HK$14,263/mo
Deposit HK$5.37M · loan HK$48.36M · min. income ≈ HK$468,798/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$2,283,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,380
−HK$13,257/mo
▼ 0.25% · 3.875%
HK$251,961
−HK$6,676/mo
Today · 4.125%
HK$258,637
baseline
▲ 0.50% · 4.625%
HK$272,270
+HK$13,633/mo
Deposit HK$5.37M · loan HK$48.36M · min. income ≈ HK$517,274/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$2,283,890 · Scale 2, in force from 26 Feb 2026)