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$121,724
−HK$7,633/mo
▼ 0.25% · 3.875%
HK$125,510
−HK$3,847/mo
Today · 4.125%
HK$129,357
baseline
▲ 0.50% · 4.625%
HK$137,228
+HK$7,871/mo
Deposit HK$26.69M · loan HK$26.69M · min. income ≈ HK$258,714/mo (50% DSR)
Upfront cash ≈ HK$28.96M (deposit + AVD stamp duty HK$2,268,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,417
−HK$7,316/mo
▼ 0.25% · 3.875%
HK$139,048
−HK$3,685/mo
Today · 4.125%
HK$142,733
baseline
▲ 0.50% · 4.625%
HK$150,256
+HK$7,523/mo
Deposit HK$26.69M · loan HK$26.69M · min. income ≈ HK$285,466/mo (50% DSR)
Upfront cash ≈ HK$28.96M (deposit + AVD stamp duty HK$2,268,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,069
−HK$9,160/mo
▼ 0.25% · 3.875%
HK$150,612
−HK$4,617/mo
Today · 4.125%
HK$155,229
baseline
▲ 0.50% · 4.625%
HK$164,674
+HK$9,445/mo
Deposit HK$21.35M · loan HK$32.03M · min. income ≈ HK$310,458/mo (50% DSR)
Upfront cash ≈ HK$23.62M (deposit + AVD stamp duty HK$2,268,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,500
−HK$8,779/mo
▼ 0.25% · 3.875%
HK$166,858
−HK$4,421/mo
Today · 4.125%
HK$171,279
baseline
▲ 0.50% · 4.625%
HK$180,308
+HK$9,029/mo
Deposit HK$21.35M · loan HK$32.03M · min. income ≈ HK$342,558/mo (50% DSR)
Upfront cash ≈ HK$23.62M (deposit + AVD stamp duty HK$2,268,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,414
−HK$10,686/mo
▼ 0.25% · 3.875%
HK$175,714
−HK$5,386/mo
Today · 4.125%
HK$181,100
baseline
▲ 0.50% · 4.625%
HK$192,119
+HK$11,019/mo
Deposit HK$16.01M · loan HK$37.37M · min. income ≈ HK$362,200/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$2,268,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,583
−HK$10,243/mo
▼ 0.25% · 3.875%
HK$194,668
−HK$5,158/mo
Today · 4.125%
HK$199,826
baseline
▲ 0.50% · 4.625%
HK$210,359
+HK$10,533/mo
Deposit HK$16.01M · loan HK$37.37M · min. income ≈ HK$399,652/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$2,268,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,103
−HK$13,740/mo
▼ 0.25% · 3.875%
HK$225,918
−HK$6,925/mo
Today · 4.125%
HK$232,843
baseline
▲ 0.50% · 4.625%
HK$247,011
+HK$14,168/mo
Deposit HK$5.34M · loan HK$48.04M · min. income ≈ HK$465,686/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$2,268,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,750
−HK$13,169/mo
▼ 0.25% · 3.875%
HK$250,287
−HK$6,632/mo
Today · 4.125%
HK$256,919
baseline
▲ 0.50% · 4.625%
HK$270,462
+HK$13,543/mo
Deposit HK$5.34M · loan HK$48.04M · min. income ≈ HK$513,838/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$2,268,722 · Scale 2, in force from 26 Feb 2026)