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$121,926
−HK$7,646/mo
▼ 0.25% · 3.875%
HK$125,719
−HK$3,853/mo
Today · 4.125%
HK$129,572
baseline
▲ 0.50% · 4.625%
HK$137,456
+HK$7,884/mo
Deposit HK$26.74M · loan HK$26.74M · min. income ≈ HK$259,144/mo (50% DSR)
Upfront cash ≈ HK$29.01M (deposit + AVD stamp duty HK$2,272,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,642
−HK$7,328/mo
▼ 0.25% · 3.875%
HK$139,280
−HK$3,690/mo
Today · 4.125%
HK$142,970
baseline
▲ 0.50% · 4.625%
HK$150,506
+HK$7,536/mo
Deposit HK$26.74M · loan HK$26.74M · min. income ≈ HK$285,940/mo (50% DSR)
Upfront cash ≈ HK$29.01M (deposit + AVD stamp duty HK$2,272,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,312
−HK$9,175/mo
▼ 0.25% · 3.875%
HK$150,863
−HK$4,624/mo
Today · 4.125%
HK$155,487
baseline
▲ 0.50% · 4.625%
HK$164,948
+HK$9,461/mo
Deposit HK$21.39M · loan HK$32.08M · min. income ≈ HK$310,974/mo (50% DSR)
Upfront cash ≈ HK$23.66M (deposit + AVD stamp duty HK$2,272,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,770
−HK$8,794/mo
▼ 0.25% · 3.875%
HK$167,135
−HK$4,429/mo
Today · 4.125%
HK$171,564
baseline
▲ 0.50% · 4.625%
HK$180,607
+HK$9,043/mo
Deposit HK$21.39M · loan HK$32.08M · min. income ≈ HK$343,128/mo (50% DSR)
Upfront cash ≈ HK$23.66M (deposit + AVD stamp duty HK$2,272,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,697
−HK$10,704/mo
▼ 0.25% · 3.875%
HK$176,006
−HK$5,395/mo
Today · 4.125%
HK$181,401
baseline
▲ 0.50% · 4.625%
HK$192,439
+HK$11,038/mo
Deposit HK$16.04M · loan HK$37.43M · min. income ≈ HK$362,802/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$2,272,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,898
−HK$10,260/mo
▼ 0.25% · 3.875%
HK$194,991
−HK$5,167/mo
Today · 4.125%
HK$200,158
baseline
▲ 0.50% · 4.625%
HK$210,709
+HK$10,551/mo
Deposit HK$16.04M · loan HK$37.43M · min. income ≈ HK$400,316/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$2,272,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,467
−HK$13,763/mo
▼ 0.25% · 3.875%
HK$226,294
−HK$6,936/mo
Today · 4.125%
HK$233,230
baseline
▲ 0.50% · 4.625%
HK$247,421
+HK$14,191/mo
Deposit HK$5.35M · loan HK$48.12M · min. income ≈ HK$466,460/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$2,272,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,155
−HK$13,191/mo
▼ 0.25% · 3.875%
HK$250,703
−HK$6,643/mo
Today · 4.125%
HK$257,346
baseline
▲ 0.50% · 4.625%
HK$270,911
+HK$13,565/mo
Deposit HK$5.35M · loan HK$48.12M · min. income ≈ HK$514,692/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$2,272,493 · Scale 2, in force from 26 Feb 2026)