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$122,584
−HK$7,687/mo
▼ 0.25% · 3.875%
HK$126,397
−HK$3,874/mo
Today · 4.125%
HK$130,271
baseline
▲ 0.50% · 4.625%
HK$138,198
+HK$7,927/mo
Deposit HK$26.88M · loan HK$26.88M · min. income ≈ HK$260,542/mo (50% DSR)
Upfront cash ≈ HK$29.16M (deposit + AVD stamp duty HK$2,284,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,373
−HK$7,368/mo
▼ 0.25% · 3.875%
HK$140,031
−HK$3,710/mo
Today · 4.125%
HK$143,741
baseline
▲ 0.50% · 4.625%
HK$151,318
+HK$7,577/mo
Deposit HK$26.88M · loan HK$26.88M · min. income ≈ HK$287,482/mo (50% DSR)
Upfront cash ≈ HK$29.16M (deposit + AVD stamp duty HK$2,284,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,101
−HK$9,224/mo
▼ 0.25% · 3.875%
HK$151,676
−HK$4,649/mo
Today · 4.125%
HK$156,325
baseline
▲ 0.50% · 4.625%
HK$165,837
+HK$9,512/mo
Deposit HK$21.50M · loan HK$32.26M · min. income ≈ HK$312,650/mo (50% DSR)
Upfront cash ≈ HK$23.79M (deposit + AVD stamp duty HK$2,284,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,648
−HK$8,841/mo
▼ 0.25% · 3.875%
HK$168,037
−HK$4,452/mo
Today · 4.125%
HK$172,489
baseline
▲ 0.50% · 4.625%
HK$181,582
+HK$9,093/mo
Deposit HK$21.50M · loan HK$32.26M · min. income ≈ HK$344,978/mo (50% DSR)
Upfront cash ≈ HK$23.79M (deposit + AVD stamp duty HK$2,284,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,617
−HK$10,762/mo
▼ 0.25% · 3.875%
HK$176,956
−HK$5,423/mo
Today · 4.125%
HK$182,379
baseline
▲ 0.50% · 4.625%
HK$193,477
+HK$11,098/mo
Deposit HK$16.13M · loan HK$37.63M · min. income ≈ HK$364,758/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$2,284,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,923
−HK$10,315/mo
▼ 0.25% · 3.875%
HK$196,043
−HK$5,195/mo
Today · 4.125%
HK$201,238
baseline
▲ 0.50% · 4.625%
HK$211,845
+HK$10,607/mo
Deposit HK$16.13M · loan HK$37.63M · min. income ≈ HK$402,476/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$2,284,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,651
−HK$13,837/mo
▼ 0.25% · 3.875%
HK$227,514
−HK$6,974/mo
Today · 4.125%
HK$234,488
baseline
▲ 0.50% · 4.625%
HK$248,756
+HK$14,268/mo
Deposit HK$5.38M · loan HK$48.38M · min. income ≈ HK$468,976/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$2,284,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,472
−HK$13,262/mo
▼ 0.25% · 3.875%
HK$252,055
−HK$6,679/mo
Today · 4.125%
HK$258,734
baseline
▲ 0.50% · 4.625%
HK$272,372
+HK$13,638/mo
Deposit HK$5.38M · loan HK$48.38M · min. income ≈ HK$517,468/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$2,284,750 · Scale 2, in force from 26 Feb 2026)