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$122,936
−HK$7,709/mo
▼ 0.25% · 3.875%
HK$126,760
−HK$3,885/mo
Today · 4.125%
HK$130,645
baseline
▲ 0.50% · 4.625%
HK$138,594
+HK$7,949/mo
Deposit HK$26.96M · loan HK$26.96M · min. income ≈ HK$261,290/mo (50% DSR)
Upfront cash ≈ HK$29.25M (deposit + AVD stamp duty HK$2,291,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,765
−HK$7,389/mo
▼ 0.25% · 3.875%
HK$140,433
−HK$3,721/mo
Today · 4.125%
HK$144,154
baseline
▲ 0.50% · 4.625%
HK$151,752
+HK$7,598/mo
Deposit HK$26.96M · loan HK$26.96M · min. income ≈ HK$288,308/mo (50% DSR)
Upfront cash ≈ HK$29.25M (deposit + AVD stamp duty HK$2,291,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,523
−HK$9,251/mo
▼ 0.25% · 3.875%
HK$152,112
−HK$4,662/mo
Today · 4.125%
HK$156,774
baseline
▲ 0.50% · 4.625%
HK$166,313
+HK$9,539/mo
Deposit HK$21.57M · loan HK$32.35M · min. income ≈ HK$313,548/mo (50% DSR)
Upfront cash ≈ HK$23.86M (deposit + AVD stamp duty HK$2,291,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,118
−HK$8,867/mo
▼ 0.25% · 3.875%
HK$168,519
−HK$4,466/mo
Today · 4.125%
HK$172,985
baseline
▲ 0.50% · 4.625%
HK$182,103
+HK$9,118/mo
Deposit HK$21.57M · loan HK$32.35M · min. income ≈ HK$345,970/mo (50% DSR)
Upfront cash ≈ HK$23.86M (deposit + AVD stamp duty HK$2,291,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,110
−HK$10,793/mo
▼ 0.25% · 3.875%
HK$177,464
−HK$5,439/mo
Today · 4.125%
HK$182,903
baseline
▲ 0.50% · 4.625%
HK$194,032
+HK$11,129/mo
Deposit HK$16.17M · loan HK$37.74M · min. income ≈ HK$365,806/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$2,291,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,471
−HK$10,344/mo
▼ 0.25% · 3.875%
HK$196,606
−HK$5,209/mo
Today · 4.125%
HK$201,815
baseline
▲ 0.50% · 4.625%
HK$212,453
+HK$10,638/mo
Deposit HK$16.17M · loan HK$37.74M · min. income ≈ HK$403,630/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$2,291,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,284
−HK$13,877/mo
▼ 0.25% · 3.875%
HK$228,168
−HK$6,993/mo
Today · 4.125%
HK$235,161
baseline
▲ 0.50% · 4.625%
HK$249,470
+HK$14,309/mo
Deposit HK$5.39M · loan HK$48.52M · min. income ≈ HK$470,322/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$2,291,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,177
−HK$13,300/mo
▼ 0.25% · 3.875%
HK$252,779
−HK$6,698/mo
Today · 4.125%
HK$259,477
baseline
▲ 0.50% · 4.625%
HK$273,154
+HK$13,677/mo
Deposit HK$5.39M · loan HK$48.52M · min. income ≈ HK$518,954/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$2,291,309 · Scale 2, in force from 26 Feb 2026)