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$123,081
−HK$7,718/mo
▼ 0.25% · 3.875%
HK$126,910
−HK$3,889/mo
Today · 4.125%
HK$130,799
baseline
▲ 0.50% · 4.625%
HK$138,758
+HK$7,959/mo
Deposit HK$26.99M · loan HK$26.99M · min. income ≈ HK$261,598/mo (50% DSR)
Upfront cash ≈ HK$29.28M (deposit + AVD stamp duty HK$2,294,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,926
−HK$7,398/mo
▼ 0.25% · 3.875%
HK$140,599
−HK$3,725/mo
Today · 4.125%
HK$144,324
baseline
▲ 0.50% · 4.625%
HK$151,932
+HK$7,608/mo
Deposit HK$26.99M · loan HK$26.99M · min. income ≈ HK$288,648/mo (50% DSR)
Upfront cash ≈ HK$29.28M (deposit + AVD stamp duty HK$2,294,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,697
−HK$9,262/mo
▼ 0.25% · 3.875%
HK$152,291
−HK$4,668/mo
Today · 4.125%
HK$156,959
baseline
▲ 0.50% · 4.625%
HK$166,510
+HK$9,551/mo
Deposit HK$21.59M · loan HK$32.39M · min. income ≈ HK$313,918/mo (50% DSR)
Upfront cash ≈ HK$23.88M (deposit + AVD stamp duty HK$2,294,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,312
−HK$8,877/mo
▼ 0.25% · 3.875%
HK$168,718
−HK$4,471/mo
Today · 4.125%
HK$173,189
baseline
▲ 0.50% · 4.625%
HK$182,318
+HK$9,129/mo
Deposit HK$21.59M · loan HK$32.39M · min. income ≈ HK$346,378/mo (50% DSR)
Upfront cash ≈ HK$23.88M (deposit + AVD stamp duty HK$2,294,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,313
−HK$10,806/mo
▼ 0.25% · 3.875%
HK$177,673
−HK$5,446/mo
Today · 4.125%
HK$183,119
baseline
▲ 0.50% · 4.625%
HK$194,261
+HK$11,142/mo
Deposit HK$16.19M · loan HK$37.78M · min. income ≈ HK$366,238/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$2,294,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,697
−HK$10,357/mo
▼ 0.25% · 3.875%
HK$196,838
−HK$5,216/mo
Today · 4.125%
HK$202,054
baseline
▲ 0.50% · 4.625%
HK$212,704
+HK$10,650/mo
Deposit HK$16.19M · loan HK$37.78M · min. income ≈ HK$404,108/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$2,294,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,546
−HK$13,893/mo
▼ 0.25% · 3.875%
HK$228,437
−HK$7,002/mo
Today · 4.125%
HK$235,439
baseline
▲ 0.50% · 4.625%
HK$249,765
+HK$14,326/mo
Deposit HK$5.40M · loan HK$48.58M · min. income ≈ HK$470,878/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$2,294,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,468
−HK$13,315/mo
▼ 0.25% · 3.875%
HK$253,078
−HK$6,705/mo
Today · 4.125%
HK$259,783
baseline
▲ 0.50% · 4.625%
HK$273,477
+HK$13,694/mo
Deposit HK$5.40M · loan HK$48.58M · min. income ≈ HK$519,566/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$2,294,016 · Scale 2, in force from 26 Feb 2026)