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$121,911
−HK$7,645/mo
▼ 0.25% · 3.875%
HK$125,704
−HK$3,852/mo
Today · 4.125%
HK$129,556
baseline
▲ 0.50% · 4.625%
HK$137,440
+HK$7,884/mo
Deposit HK$26.73M · loan HK$26.73M · min. income ≈ HK$259,112/mo (50% DSR)
Upfront cash ≈ HK$29.00M (deposit + AVD stamp duty HK$2,272,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,625
−HK$7,328/mo
▼ 0.25% · 3.875%
HK$139,263
−HK$3,690/mo
Today · 4.125%
HK$142,953
baseline
▲ 0.50% · 4.625%
HK$150,488
+HK$7,535/mo
Deposit HK$26.73M · loan HK$26.73M · min. income ≈ HK$285,906/mo (50% DSR)
Upfront cash ≈ HK$29.00M (deposit + AVD stamp duty HK$2,272,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,294
−HK$9,174/mo
▼ 0.25% · 3.875%
HK$150,844
−HK$4,624/mo
Today · 4.125%
HK$155,468
baseline
▲ 0.50% · 4.625%
HK$164,927
+HK$9,459/mo
Deposit HK$21.39M · loan HK$32.08M · min. income ≈ HK$310,936/mo (50% DSR)
Upfront cash ≈ HK$23.66M (deposit + AVD stamp duty HK$2,272,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,750
−HK$8,793/mo
▼ 0.25% · 3.875%
HK$167,115
−HK$4,428/mo
Today · 4.125%
HK$171,543
baseline
▲ 0.50% · 4.625%
HK$180,585
+HK$9,042/mo
Deposit HK$21.39M · loan HK$32.08M · min. income ≈ HK$343,086/mo (50% DSR)
Upfront cash ≈ HK$23.66M (deposit + AVD stamp duty HK$2,272,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,676
−HK$10,703/mo
▼ 0.25% · 3.875%
HK$175,985
−HK$5,394/mo
Today · 4.125%
HK$181,379
baseline
▲ 0.50% · 4.625%
HK$192,415
+HK$11,036/mo
Deposit HK$16.04M · loan HK$37.42M · min. income ≈ HK$362,758/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$2,272,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,875
−HK$10,259/mo
▼ 0.25% · 3.875%
HK$194,968
−HK$5,166/mo
Today · 4.125%
HK$200,134
baseline
▲ 0.50% · 4.625%
HK$210,683
+HK$10,549/mo
Deposit HK$16.04M · loan HK$37.42M · min. income ≈ HK$400,268/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$2,272,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,441
−HK$13,760/mo
▼ 0.25% · 3.875%
HK$226,266
−HK$6,935/mo
Today · 4.125%
HK$233,201
baseline
▲ 0.50% · 4.625%
HK$247,391
+HK$14,190/mo
Deposit HK$5.35M · loan HK$48.12M · min. income ≈ HK$466,402/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$2,272,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,125
−HK$13,190/mo
▼ 0.25% · 3.875%
HK$250,673
−HK$6,642/mo
Today · 4.125%
HK$257,315
baseline
▲ 0.50% · 4.625%
HK$270,878
+HK$13,563/mo
Deposit HK$5.35M · loan HK$48.12M · min. income ≈ HK$514,630/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$2,272,216 · Scale 2, in force from 26 Feb 2026)