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$122,742
−HK$7,697/mo
▼ 0.25% · 3.875%
HK$126,560
−HK$3,879/mo
Today · 4.125%
HK$130,439
baseline
▲ 0.50% · 4.625%
HK$138,376
+HK$7,937/mo
Deposit HK$26.91M · loan HK$26.91M · min. income ≈ HK$260,878/mo (50% DSR)
Upfront cash ≈ HK$29.20M (deposit + AVD stamp duty HK$2,287,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,550
−HK$7,377/mo
▼ 0.25% · 3.875%
HK$140,212
−HK$3,715/mo
Today · 4.125%
HK$143,927
baseline
▲ 0.50% · 4.625%
HK$151,514
+HK$7,587/mo
Deposit HK$26.91M · loan HK$26.91M · min. income ≈ HK$287,854/mo (50% DSR)
Upfront cash ≈ HK$29.20M (deposit + AVD stamp duty HK$2,287,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,291
−HK$9,236/mo
▼ 0.25% · 3.875%
HK$151,872
−HK$4,655/mo
Today · 4.125%
HK$156,527
baseline
▲ 0.50% · 4.625%
HK$166,052
+HK$9,525/mo
Deposit HK$21.53M · loan HK$32.30M · min. income ≈ HK$313,054/mo (50% DSR)
Upfront cash ≈ HK$23.82M (deposit + AVD stamp duty HK$2,287,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,860
−HK$8,852/mo
▼ 0.25% · 3.875%
HK$168,254
−HK$4,458/mo
Today · 4.125%
HK$172,712
baseline
▲ 0.50% · 4.625%
HK$181,816
+HK$9,104/mo
Deposit HK$21.53M · loan HK$32.30M · min. income ≈ HK$345,424/mo (50% DSR)
Upfront cash ≈ HK$23.82M (deposit + AVD stamp duty HK$2,287,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,839
−HK$10,776/mo
▼ 0.25% · 3.875%
HK$177,184
−HK$5,431/mo
Today · 4.125%
HK$182,615
baseline
▲ 0.50% · 4.625%
HK$193,727
+HK$11,112/mo
Deposit HK$16.15M · loan HK$37.68M · min. income ≈ HK$365,230/mo (50% DSR)
Upfront cash ≈ HK$18.44M (deposit + AVD stamp duty HK$2,287,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,169
−HK$10,329/mo
▼ 0.25% · 3.875%
HK$196,297
−HK$5,201/mo
Today · 4.125%
HK$201,498
baseline
▲ 0.50% · 4.625%
HK$212,119
+HK$10,621/mo
Deposit HK$16.15M · loan HK$37.68M · min. income ≈ HK$402,996/mo (50% DSR)
Upfront cash ≈ HK$18.44M (deposit + AVD stamp duty HK$2,287,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,936
−HK$13,855/mo
▼ 0.25% · 3.875%
HK$227,809
−HK$6,982/mo
Today · 4.125%
HK$234,791
baseline
▲ 0.50% · 4.625%
HK$249,077
+HK$14,286/mo
Deposit HK$5.38M · loan HK$48.45M · min. income ≈ HK$469,582/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$2,287,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,789
−HK$13,280/mo
▼ 0.25% · 3.875%
HK$252,381
−HK$6,688/mo
Today · 4.125%
HK$259,069
baseline
▲ 0.50% · 4.625%
HK$272,724
+HK$13,655/mo
Deposit HK$5.38M · loan HK$48.45M · min. income ≈ HK$518,138/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$2,287,704 · Scale 2, in force from 26 Feb 2026)