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$121,689
−HK$7,631/mo
▼ 0.25% · 3.875%
HK$125,475
−HK$3,845/mo
Today · 4.125%
HK$129,320
baseline
▲ 0.50% · 4.625%
HK$137,189
+HK$7,869/mo
Deposit HK$26.68M · loan HK$26.68M · min. income ≈ HK$258,640/mo (50% DSR)
Upfront cash ≈ HK$28.95M (deposit + AVD stamp duty HK$2,268,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,378
−HK$7,314/mo
▼ 0.25% · 3.875%
HK$139,009
−HK$3,683/mo
Today · 4.125%
HK$142,692
baseline
▲ 0.50% · 4.625%
HK$150,214
+HK$7,522/mo
Deposit HK$26.68M · loan HK$26.68M · min. income ≈ HK$285,384/mo (50% DSR)
Upfront cash ≈ HK$28.95M (deposit + AVD stamp duty HK$2,268,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,027
−HK$9,158/mo
▼ 0.25% · 3.875%
HK$150,570
−HK$4,615/mo
Today · 4.125%
HK$155,185
baseline
▲ 0.50% · 4.625%
HK$164,627
+HK$9,442/mo
Deposit HK$21.35M · loan HK$32.02M · min. income ≈ HK$310,370/mo (50% DSR)
Upfront cash ≈ HK$23.61M (deposit + AVD stamp duty HK$2,268,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,454
−HK$8,777/mo
▼ 0.25% · 3.875%
HK$166,811
−HK$4,420/mo
Today · 4.125%
HK$171,231
baseline
▲ 0.50% · 4.625%
HK$180,257
+HK$9,026/mo
Deposit HK$21.35M · loan HK$32.02M · min. income ≈ HK$342,462/mo (50% DSR)
Upfront cash ≈ HK$23.61M (deposit + AVD stamp duty HK$2,268,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,365
−HK$10,684/mo
▼ 0.25% · 3.875%
HK$175,665
−HK$5,384/mo
Today · 4.125%
HK$181,049
baseline
▲ 0.50% · 4.625%
HK$192,065
+HK$11,016/mo
Deposit HK$16.01M · loan HK$37.36M · min. income ≈ HK$362,098/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$2,268,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,530
−HK$10,239/mo
▼ 0.25% · 3.875%
HK$194,613
−HK$5,156/mo
Today · 4.125%
HK$199,769
baseline
▲ 0.50% · 4.625%
HK$210,299
+HK$10,530/mo
Deposit HK$16.01M · loan HK$37.36M · min. income ≈ HK$399,538/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$2,268,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,041
−HK$13,736/mo
▼ 0.25% · 3.875%
HK$225,854
−HK$6,923/mo
Today · 4.125%
HK$232,777
baseline
▲ 0.50% · 4.625%
HK$246,941
+HK$14,164/mo
Deposit HK$5.34M · loan HK$48.03M · min. income ≈ HK$465,554/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$2,268,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,681
−HK$13,165/mo
▼ 0.25% · 3.875%
HK$250,216
−HK$6,630/mo
Today · 4.125%
HK$256,846
baseline
▲ 0.50% · 4.625%
HK$270,385
+HK$13,539/mo
Deposit HK$5.34M · loan HK$48.03M · min. income ≈ HK$513,692/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$2,268,079 · Scale 2, in force from 26 Feb 2026)