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$122,764
−HK$7,699/mo
▼ 0.25% · 3.875%
HK$126,583
−HK$3,880/mo
Today · 4.125%
HK$130,463
baseline
▲ 0.50% · 4.625%
HK$138,401
+HK$7,938/mo
Deposit HK$26.92M · loan HK$26.92M · min. income ≈ HK$260,926/mo (50% DSR)
Upfront cash ≈ HK$29.21M (deposit + AVD stamp duty HK$2,288,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,574
−HK$7,379/mo
▼ 0.25% · 3.875%
HK$140,237
−HK$3,716/mo
Today · 4.125%
HK$143,953
baseline
▲ 0.50% · 4.625%
HK$151,541
+HK$7,588/mo
Deposit HK$26.92M · loan HK$26.92M · min. income ≈ HK$287,906/mo (50% DSR)
Upfront cash ≈ HK$29.21M (deposit + AVD stamp duty HK$2,288,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,317
−HK$9,238/mo
▼ 0.25% · 3.875%
HK$151,900
−HK$4,655/mo
Today · 4.125%
HK$156,555
baseline
▲ 0.50% · 4.625%
HK$166,081
+HK$9,526/mo
Deposit HK$21.54M · loan HK$32.30M · min. income ≈ HK$313,110/mo (50% DSR)
Upfront cash ≈ HK$23.82M (deposit + AVD stamp duty HK$2,288,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,889
−HK$8,854/mo
▼ 0.25% · 3.875%
HK$168,284
−HK$4,459/mo
Today · 4.125%
HK$172,743
baseline
▲ 0.50% · 4.625%
HK$181,849
+HK$9,106/mo
Deposit HK$21.54M · loan HK$32.30M · min. income ≈ HK$345,486/mo (50% DSR)
Upfront cash ≈ HK$23.82M (deposit + AVD stamp duty HK$2,288,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,870
−HK$10,778/mo
▼ 0.25% · 3.875%
HK$177,216
−HK$5,432/mo
Today · 4.125%
HK$182,648
baseline
▲ 0.50% · 4.625%
HK$193,762
+HK$11,114/mo
Deposit HK$16.15M · loan HK$37.69M · min. income ≈ HK$365,296/mo (50% DSR)
Upfront cash ≈ HK$18.44M (deposit + AVD stamp duty HK$2,288,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,204
−HK$10,330/mo
▼ 0.25% · 3.875%
HK$196,332
−HK$5,202/mo
Today · 4.125%
HK$201,534
baseline
▲ 0.50% · 4.625%
HK$212,157
+HK$10,623/mo
Deposit HK$16.15M · loan HK$37.69M · min. income ≈ HK$403,068/mo (50% DSR)
Upfront cash ≈ HK$18.44M (deposit + AVD stamp duty HK$2,288,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,976
−HK$13,857/mo
▼ 0.25% · 3.875%
HK$227,850
−HK$6,983/mo
Today · 4.125%
HK$234,833
baseline
▲ 0.50% · 4.625%
HK$249,122
+HK$14,289/mo
Deposit HK$5.38M · loan HK$48.45M · min. income ≈ HK$469,666/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$2,288,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,833
−HK$13,282/mo
▼ 0.25% · 3.875%
HK$252,427
−HK$6,688/mo
Today · 4.125%
HK$259,115
baseline
▲ 0.50% · 4.625%
HK$272,773
+HK$13,658/mo
Deposit HK$5.38M · loan HK$48.45M · min. income ≈ HK$518,230/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$2,288,115 · Scale 2, in force from 26 Feb 2026)