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$121,975
−HK$7,649/mo
▼ 0.25% · 3.875%
HK$125,770
−HK$3,854/mo
Today · 4.125%
HK$129,624
baseline
▲ 0.50% · 4.625%
HK$137,512
+HK$7,888/mo
Deposit HK$26.75M · loan HK$26.75M · min. income ≈ HK$259,248/mo (50% DSR)
Upfront cash ≈ HK$29.02M (deposit + AVD stamp duty HK$2,273,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,697
−HK$7,331/mo
▼ 0.25% · 3.875%
HK$139,336
−HK$3,692/mo
Today · 4.125%
HK$143,028
baseline
▲ 0.50% · 4.625%
HK$150,567
+HK$7,539/mo
Deposit HK$26.75M · loan HK$26.75M · min. income ≈ HK$286,056/mo (50% DSR)
Upfront cash ≈ HK$29.02M (deposit + AVD stamp duty HK$2,273,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,371
−HK$9,178/mo
▼ 0.25% · 3.875%
HK$150,924
−HK$4,625/mo
Today · 4.125%
HK$155,549
baseline
▲ 0.50% · 4.625%
HK$165,014
+HK$9,465/mo
Deposit HK$21.40M · loan HK$32.10M · min. income ≈ HK$311,098/mo (50% DSR)
Upfront cash ≈ HK$23.67M (deposit + AVD stamp duty HK$2,273,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,836
−HK$8,797/mo
▼ 0.25% · 3.875%
HK$167,203
−HK$4,430/mo
Today · 4.125%
HK$171,633
baseline
▲ 0.50% · 4.625%
HK$180,680
+HK$9,047/mo
Deposit HK$21.40M · loan HK$32.10M · min. income ≈ HK$343,266/mo (50% DSR)
Upfront cash ≈ HK$23.67M (deposit + AVD stamp duty HK$2,273,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,766
−HK$10,708/mo
▼ 0.25% · 3.875%
HK$176,077
−HK$5,397/mo
Today · 4.125%
HK$181,474
baseline
▲ 0.50% · 4.625%
HK$192,516
+HK$11,042/mo
Deposit HK$16.05M · loan HK$37.44M · min. income ≈ HK$362,948/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$2,273,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,975
−HK$10,264/mo
▼ 0.25% · 3.875%
HK$195,070
−HK$5,169/mo
Today · 4.125%
HK$200,239
baseline
▲ 0.50% · 4.625%
HK$210,794
+HK$10,555/mo
Deposit HK$16.05M · loan HK$37.44M · min. income ≈ HK$400,478/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$2,273,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,556
−HK$13,768/mo
▼ 0.25% · 3.875%
HK$226,385
−HK$6,939/mo
Today · 4.125%
HK$233,324
baseline
▲ 0.50% · 4.625%
HK$247,521
+HK$14,197/mo
Deposit HK$5.35M · loan HK$48.14M · min. income ≈ HK$466,648/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$2,273,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,254
−HK$13,196/mo
▼ 0.25% · 3.875%
HK$250,804
−HK$6,646/mo
Today · 4.125%
HK$257,450
baseline
▲ 0.50% · 4.625%
HK$271,021
+HK$13,571/mo
Deposit HK$5.35M · loan HK$48.14M · min. income ≈ HK$514,900/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$2,273,411 · Scale 2, in force from 26 Feb 2026)