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$122,643
−HK$7,691/mo
▼ 0.25% · 3.875%
HK$126,458
−HK$3,876/mo
Today · 4.125%
HK$130,334
baseline
▲ 0.50% · 4.625%
HK$138,264
+HK$7,930/mo
Deposit HK$26.89M · loan HK$26.89M · min. income ≈ HK$260,668/mo (50% DSR)
Upfront cash ≈ HK$29.18M (deposit + AVD stamp duty HK$2,285,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,439
−HK$7,372/mo
▼ 0.25% · 3.875%
HK$140,098
−HK$3,713/mo
Today · 4.125%
HK$143,811
baseline
▲ 0.50% · 4.625%
HK$151,391
+HK$7,580/mo
Deposit HK$26.89M · loan HK$26.89M · min. income ≈ HK$287,622/mo (50% DSR)
Upfront cash ≈ HK$29.18M (deposit + AVD stamp duty HK$2,285,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,172
−HK$9,229/mo
▼ 0.25% · 3.875%
HK$151,750
−HK$4,651/mo
Today · 4.125%
HK$156,401
baseline
▲ 0.50% · 4.625%
HK$165,917
+HK$9,516/mo
Deposit HK$21.51M · loan HK$32.27M · min. income ≈ HK$312,802/mo (50% DSR)
Upfront cash ≈ HK$23.80M (deposit + AVD stamp duty HK$2,285,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,727
−HK$8,846/mo
▼ 0.25% · 3.875%
HK$168,118
−HK$4,455/mo
Today · 4.125%
HK$172,573
baseline
▲ 0.50% · 4.625%
HK$181,669
+HK$9,096/mo
Deposit HK$21.51M · loan HK$32.27M · min. income ≈ HK$345,146/mo (50% DSR)
Upfront cash ≈ HK$23.80M (deposit + AVD stamp duty HK$2,285,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,700
−HK$10,767/mo
▼ 0.25% · 3.875%
HK$177,041
−HK$5,426/mo
Today · 4.125%
HK$182,467
baseline
▲ 0.50% · 4.625%
HK$193,570
+HK$11,103/mo
Deposit HK$16.14M · loan HK$37.65M · min. income ≈ HK$364,934/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$2,285,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,015
−HK$10,320/mo
▼ 0.25% · 3.875%
HK$196,138
−HK$5,197/mo
Today · 4.125%
HK$201,335
baseline
▲ 0.50% · 4.625%
HK$211,947
+HK$10,612/mo
Deposit HK$16.14M · loan HK$37.65M · min. income ≈ HK$402,670/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$2,285,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,757
−HK$13,844/mo
▼ 0.25% · 3.875%
HK$227,624
−HK$6,977/mo
Today · 4.125%
HK$234,601
baseline
▲ 0.50% · 4.625%
HK$248,876
+HK$14,275/mo
Deposit HK$5.38M · loan HK$48.41M · min. income ≈ HK$469,202/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$2,285,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,590
−HK$13,269/mo
▼ 0.25% · 3.875%
HK$252,177
−HK$6,682/mo
Today · 4.125%
HK$258,859
baseline
▲ 0.50% · 4.625%
HK$272,504
+HK$13,645/mo
Deposit HK$5.38M · loan HK$48.41M · min. income ≈ HK$517,718/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$2,285,853 · Scale 2, in force from 26 Feb 2026)