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$122,438
−HK$7,678/mo
▼ 0.25% · 3.875%
HK$126,247
−HK$3,869/mo
Today · 4.125%
HK$130,116
baseline
▲ 0.50% · 4.625%
HK$138,033
+HK$7,917/mo
Deposit HK$26.85M · loan HK$26.85M · min. income ≈ HK$260,232/mo (50% DSR)
Upfront cash ≈ HK$29.13M (deposit + AVD stamp duty HK$2,282,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,211
−HK$7,359/mo
▼ 0.25% · 3.875%
HK$139,864
−HK$3,706/mo
Today · 4.125%
HK$143,570
baseline
▲ 0.50% · 4.625%
HK$151,138
+HK$7,568/mo
Deposit HK$26.85M · loan HK$26.85M · min. income ≈ HK$287,140/mo (50% DSR)
Upfront cash ≈ HK$29.13M (deposit + AVD stamp duty HK$2,282,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,926
−HK$9,213/mo
▼ 0.25% · 3.875%
HK$151,496
−HK$4,643/mo
Today · 4.125%
HK$156,139
baseline
▲ 0.50% · 4.625%
HK$165,640
+HK$9,501/mo
Deposit HK$21.48M · loan HK$32.22M · min. income ≈ HK$312,278/mo (50% DSR)
Upfront cash ≈ HK$23.76M (deposit + AVD stamp duty HK$2,282,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,453
−HK$8,831/mo
▼ 0.25% · 3.875%
HK$167,837
−HK$4,447/mo
Today · 4.125%
HK$172,284
baseline
▲ 0.50% · 4.625%
HK$181,366
+HK$9,082/mo
Deposit HK$21.48M · loan HK$32.22M · min. income ≈ HK$344,568/mo (50% DSR)
Upfront cash ≈ HK$23.76M (deposit + AVD stamp duty HK$2,282,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,413
−HK$10,749/mo
▼ 0.25% · 3.875%
HK$176,745
−HK$5,417/mo
Today · 4.125%
HK$182,162
baseline
▲ 0.50% · 4.625%
HK$193,247
+HK$11,085/mo
Deposit HK$16.11M · loan HK$37.59M · min. income ≈ HK$364,324/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$2,282,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,696
−HK$10,302/mo
▼ 0.25% · 3.875%
HK$195,810
−HK$5,188/mo
Today · 4.125%
HK$200,998
baseline
▲ 0.50% · 4.625%
HK$211,593
+HK$10,595/mo
Deposit HK$16.11M · loan HK$37.59M · min. income ≈ HK$401,996/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$2,282,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,388
−HK$13,821/mo
▼ 0.25% · 3.875%
HK$227,244
−HK$6,965/mo
Today · 4.125%
HK$234,209
baseline
▲ 0.50% · 4.625%
HK$248,460
+HK$14,251/mo
Deposit HK$5.37M · loan HK$48.33M · min. income ≈ HK$468,418/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$2,282,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,180
−HK$13,246/mo
▼ 0.25% · 3.875%
HK$251,756
−HK$6,670/mo
Today · 4.125%
HK$258,426
baseline
▲ 0.50% · 4.625%
HK$272,048
+HK$13,622/mo
Deposit HK$5.37M · loan HK$48.33M · min. income ≈ HK$516,852/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$2,282,032 · Scale 2, in force from 26 Feb 2026)