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$121,896
−HK$7,644/mo
▼ 0.25% · 3.875%
HK$125,688
−HK$3,852/mo
Today · 4.125%
HK$129,540
baseline
▲ 0.50% · 4.625%
HK$137,422
+HK$7,882/mo
Deposit HK$26.73M · loan HK$26.73M · min. income ≈ HK$259,080/mo (50% DSR)
Upfront cash ≈ HK$29.00M (deposit + AVD stamp duty HK$2,271,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,608
−HK$7,327/mo
▼ 0.25% · 3.875%
HK$139,245
−HK$3,690/mo
Today · 4.125%
HK$142,935
baseline
▲ 0.50% · 4.625%
HK$150,469
+HK$7,534/mo
Deposit HK$26.73M · loan HK$26.73M · min. income ≈ HK$285,870/mo (50% DSR)
Upfront cash ≈ HK$29.00M (deposit + AVD stamp duty HK$2,271,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,275
−HK$9,173/mo
▼ 0.25% · 3.875%
HK$150,825
−HK$4,623/mo
Today · 4.125%
HK$155,448
baseline
▲ 0.50% · 4.625%
HK$164,907
+HK$9,459/mo
Deposit HK$21.38M · loan HK$32.07M · min. income ≈ HK$310,896/mo (50% DSR)
Upfront cash ≈ HK$23.65M (deposit + AVD stamp duty HK$2,271,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,730
−HK$8,792/mo
▼ 0.25% · 3.875%
HK$167,094
−HK$4,428/mo
Today · 4.125%
HK$171,522
baseline
▲ 0.50% · 4.625%
HK$180,563
+HK$9,041/mo
Deposit HK$21.38M · loan HK$32.07M · min. income ≈ HK$343,044/mo (50% DSR)
Upfront cash ≈ HK$23.65M (deposit + AVD stamp duty HK$2,271,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,655
−HK$10,701/mo
▼ 0.25% · 3.875%
HK$175,963
−HK$5,393/mo
Today · 4.125%
HK$181,356
baseline
▲ 0.50% · 4.625%
HK$192,391
+HK$11,035/mo
Deposit HK$16.04M · loan HK$37.42M · min. income ≈ HK$362,712/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$2,271,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,852
−HK$10,257/mo
▼ 0.25% · 3.875%
HK$194,943
−HK$5,166/mo
Today · 4.125%
HK$200,109
baseline
▲ 0.50% · 4.625%
HK$210,657
+HK$10,548/mo
Deposit HK$16.04M · loan HK$37.42M · min. income ≈ HK$400,218/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$2,271,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,413
−HK$13,759/mo
▼ 0.25% · 3.875%
HK$226,238
−HK$6,934/mo
Today · 4.125%
HK$233,172
baseline
▲ 0.50% · 4.625%
HK$247,360
+HK$14,188/mo
Deposit HK$5.35M · loan HK$48.11M · min. income ≈ HK$466,344/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$2,271,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,095
−HK$13,188/mo
▼ 0.25% · 3.875%
HK$250,642
−HK$6,641/mo
Today · 4.125%
HK$257,283
baseline
▲ 0.50% · 4.625%
HK$270,844
+HK$13,561/mo
Deposit HK$5.35M · loan HK$48.11M · min. income ≈ HK$514,566/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$2,271,934 · Scale 2, in force from 26 Feb 2026)