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$121,005
−HK$7,588/mo
▼ 0.25% · 3.875%
HK$124,769
−HK$3,824/mo
Today · 4.125%
HK$128,593
baseline
▲ 0.50% · 4.625%
HK$136,418
+HK$7,825/mo
Deposit HK$26.53M · loan HK$26.53M · min. income ≈ HK$257,186/mo (50% DSR)
Upfront cash ≈ HK$28.79M (deposit + AVD stamp duty HK$2,255,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,617
−HK$7,273/mo
▼ 0.25% · 3.875%
HK$138,227
−HK$3,663/mo
Today · 4.125%
HK$141,890
baseline
▲ 0.50% · 4.625%
HK$149,369
+HK$7,479/mo
Deposit HK$26.53M · loan HK$26.53M · min. income ≈ HK$283,780/mo (50% DSR)
Upfront cash ≈ HK$28.79M (deposit + AVD stamp duty HK$2,255,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,206
−HK$9,106/mo
▼ 0.25% · 3.875%
HK$149,723
−HK$4,589/mo
Today · 4.125%
HK$154,312
baseline
▲ 0.50% · 4.625%
HK$163,701
+HK$9,389/mo
Deposit HK$21.23M · loan HK$31.84M · min. income ≈ HK$308,624/mo (50% DSR)
Upfront cash ≈ HK$23.48M (deposit + AVD stamp duty HK$2,255,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,540
−HK$8,728/mo
▼ 0.25% · 3.875%
HK$165,873
−HK$4,395/mo
Today · 4.125%
HK$170,268
baseline
▲ 0.50% · 4.625%
HK$179,243
+HK$8,975/mo
Deposit HK$21.23M · loan HK$31.84M · min. income ≈ HK$340,536/mo (50% DSR)
Upfront cash ≈ HK$23.48M (deposit + AVD stamp duty HK$2,255,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,407
−HK$10,624/mo
▼ 0.25% · 3.875%
HK$174,677
−HK$5,354/mo
Today · 4.125%
HK$180,031
baseline
▲ 0.50% · 4.625%
HK$190,985
+HK$10,954/mo
Deposit HK$15.92M · loan HK$37.15M · min. income ≈ HK$360,062/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$2,255,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,464
−HK$10,182/mo
▼ 0.25% · 3.875%
HK$193,518
−HK$5,128/mo
Today · 4.125%
HK$198,646
baseline
▲ 0.50% · 4.625%
HK$209,117
+HK$10,471/mo
Deposit HK$15.92M · loan HK$37.15M · min. income ≈ HK$397,292/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$2,255,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,809
−HK$13,659/mo
▼ 0.25% · 3.875%
HK$224,584
−HK$6,884/mo
Today · 4.125%
HK$231,468
baseline
▲ 0.50% · 4.625%
HK$245,552
+HK$14,084/mo
Deposit HK$5.31M · loan HK$47.76M · min. income ≈ HK$462,936/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$2,255,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,311
−HK$13,091/mo
▼ 0.25% · 3.875%
HK$248,809
−HK$6,593/mo
Today · 4.125%
HK$255,402
baseline
▲ 0.50% · 4.625%
HK$268,865
+HK$13,463/mo
Deposit HK$5.31M · loan HK$47.76M · min. income ≈ HK$510,804/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$2,255,326 · Scale 2, in force from 26 Feb 2026)