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$122,589
−HK$7,688/mo
▼ 0.25% · 3.875%
HK$126,403
−HK$3,874/mo
Today · 4.125%
HK$130,277
baseline
▲ 0.50% · 4.625%
HK$138,204
+HK$7,927/mo
Deposit HK$26.88M · loan HK$26.88M · min. income ≈ HK$260,554/mo (50% DSR)
Upfront cash ≈ HK$29.17M (deposit + AVD stamp duty HK$2,284,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,379
−HK$7,369/mo
▼ 0.25% · 3.875%
HK$140,037
−HK$3,711/mo
Today · 4.125%
HK$143,748
baseline
▲ 0.50% · 4.625%
HK$151,325
+HK$7,577/mo
Deposit HK$26.88M · loan HK$26.88M · min. income ≈ HK$287,496/mo (50% DSR)
Upfront cash ≈ HK$29.17M (deposit + AVD stamp duty HK$2,284,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,107
−HK$9,225/mo
▼ 0.25% · 3.875%
HK$151,683
−HK$4,649/mo
Today · 4.125%
HK$156,332
baseline
▲ 0.50% · 4.625%
HK$165,845
+HK$9,513/mo
Deposit HK$21.50M · loan HK$32.26M · min. income ≈ HK$312,664/mo (50% DSR)
Upfront cash ≈ HK$23.79M (deposit + AVD stamp duty HK$2,284,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,655
−HK$8,842/mo
▼ 0.25% · 3.875%
HK$168,044
−HK$4,453/mo
Today · 4.125%
HK$172,497
baseline
▲ 0.50% · 4.625%
HK$181,590
+HK$9,093/mo
Deposit HK$21.50M · loan HK$32.26M · min. income ≈ HK$344,994/mo (50% DSR)
Upfront cash ≈ HK$23.79M (deposit + AVD stamp duty HK$2,284,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,625
−HK$10,762/mo
▼ 0.25% · 3.875%
HK$176,964
−HK$5,423/mo
Today · 4.125%
HK$182,387
baseline
▲ 0.50% · 4.625%
HK$193,485
+HK$11,098/mo
Deposit HK$16.13M · loan HK$37.63M · min. income ≈ HK$364,774/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$2,284,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,931
−HK$10,316/mo
▼ 0.25% · 3.875%
HK$196,052
−HK$5,195/mo
Today · 4.125%
HK$201,247
baseline
▲ 0.50% · 4.625%
HK$211,855
+HK$10,608/mo
Deposit HK$16.13M · loan HK$37.63M · min. income ≈ HK$402,494/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$2,284,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,661
−HK$13,837/mo
▼ 0.25% · 3.875%
HK$227,525
−HK$6,973/mo
Today · 4.125%
HK$234,498
baseline
▲ 0.50% · 4.625%
HK$248,767
+HK$14,269/mo
Deposit HK$5.38M · loan HK$48.39M · min. income ≈ HK$468,996/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$2,284,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,483
−HK$13,263/mo
▼ 0.25% · 3.875%
HK$252,067
−HK$6,679/mo
Today · 4.125%
HK$258,746
baseline
▲ 0.50% · 4.625%
HK$272,384
+HK$13,638/mo
Deposit HK$5.38M · loan HK$48.39M · min. income ≈ HK$517,492/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$2,284,852 · Scale 2, in force from 26 Feb 2026)