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$120,696
−HK$7,569/mo
▼ 0.25% · 3.875%
HK$124,451
−HK$3,814/mo
Today · 4.125%
HK$128,265
baseline
▲ 0.50% · 4.625%
HK$136,070
+HK$7,805/mo
Deposit HK$26.47M · loan HK$26.47M · min. income ≈ HK$256,530/mo (50% DSR)
Upfront cash ≈ HK$28.72M (deposit + AVD stamp duty HK$2,249,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,273
−HK$7,255/mo
▼ 0.25% · 3.875%
HK$137,874
−HK$3,654/mo
Today · 4.125%
HK$141,528
baseline
▲ 0.50% · 4.625%
HK$148,988
+HK$7,460/mo
Deposit HK$26.47M · loan HK$26.47M · min. income ≈ HK$283,056/mo (50% DSR)
Upfront cash ≈ HK$28.72M (deposit + AVD stamp duty HK$2,249,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,835
−HK$9,083/mo
▼ 0.25% · 3.875%
HK$149,341
−HK$4,577/mo
Today · 4.125%
HK$153,918
baseline
▲ 0.50% · 4.625%
HK$163,283
+HK$9,365/mo
Deposit HK$21.17M · loan HK$31.76M · min. income ≈ HK$307,836/mo (50% DSR)
Upfront cash ≈ HK$23.42M (deposit + AVD stamp duty HK$2,249,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,128
−HK$8,705/mo
▼ 0.25% · 3.875%
HK$165,449
−HK$4,384/mo
Today · 4.125%
HK$169,833
baseline
▲ 0.50% · 4.625%
HK$178,785
+HK$8,952/mo
Deposit HK$21.17M · loan HK$31.76M · min. income ≈ HK$339,666/mo (50% DSR)
Upfront cash ≈ HK$23.42M (deposit + AVD stamp duty HK$2,249,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,975
−HK$10,596/mo
▼ 0.25% · 3.875%
HK$174,231
−HK$5,340/mo
Today · 4.125%
HK$179,571
baseline
▲ 0.50% · 4.625%
HK$190,497
+HK$10,926/mo
Deposit HK$15.88M · loan HK$37.05M · min. income ≈ HK$359,142/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$2,249,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,983
−HK$10,156/mo
▼ 0.25% · 3.875%
HK$193,024
−HK$5,115/mo
Today · 4.125%
HK$198,139
baseline
▲ 0.50% · 4.625%
HK$208,583
+HK$10,444/mo
Deposit HK$15.88M · loan HK$37.05M · min. income ≈ HK$396,278/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$2,249,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,253
−HK$13,624/mo
▼ 0.25% · 3.875%
HK$224,011
−HK$6,866/mo
Today · 4.125%
HK$230,877
baseline
▲ 0.50% · 4.625%
HK$244,925
+HK$14,048/mo
Deposit HK$5.29M · loan HK$47.64M · min. income ≈ HK$461,754/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$2,249,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,692
−HK$13,058/mo
▼ 0.25% · 3.875%
HK$248,174
−HK$6,576/mo
Today · 4.125%
HK$254,750
baseline
▲ 0.50% · 4.625%
HK$268,178
+HK$13,428/mo
Deposit HK$5.29M · loan HK$47.64M · min. income ≈ HK$509,500/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$2,249,567 · Scale 2, in force from 26 Feb 2026)