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$122,819
−HK$7,702/mo
▼ 0.25% · 3.875%
HK$126,640
−HK$3,881/mo
Today · 4.125%
HK$130,521
baseline
▲ 0.50% · 4.625%
HK$138,463
+HK$7,942/mo
Deposit HK$26.93M · loan HK$26.93M · min. income ≈ HK$261,042/mo (50% DSR)
Upfront cash ≈ HK$29.22M (deposit + AVD stamp duty HK$2,289,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,635
−HK$7,382/mo
▼ 0.25% · 3.875%
HK$140,300
−HK$3,717/mo
Today · 4.125%
HK$144,017
baseline
▲ 0.50% · 4.625%
HK$151,608
+HK$7,591/mo
Deposit HK$26.93M · loan HK$26.93M · min. income ≈ HK$288,034/mo (50% DSR)
Upfront cash ≈ HK$29.22M (deposit + AVD stamp duty HK$2,289,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,383
−HK$9,242/mo
▼ 0.25% · 3.875%
HK$151,967
−HK$4,658/mo
Today · 4.125%
HK$156,625
baseline
▲ 0.50% · 4.625%
HK$166,155
+HK$9,530/mo
Deposit HK$21.54M · loan HK$32.32M · min. income ≈ HK$313,250/mo (50% DSR)
Upfront cash ≈ HK$23.83M (deposit + AVD stamp duty HK$2,289,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,962
−HK$8,858/mo
▼ 0.25% · 3.875%
HK$168,359
−HK$4,461/mo
Today · 4.125%
HK$172,820
baseline
▲ 0.50% · 4.625%
HK$181,930
+HK$9,110/mo
Deposit HK$21.54M · loan HK$32.32M · min. income ≈ HK$345,640/mo (50% DSR)
Upfront cash ≈ HK$23.83M (deposit + AVD stamp duty HK$2,289,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,947
−HK$10,782/mo
▼ 0.25% · 3.875%
HK$177,295
−HK$5,434/mo
Today · 4.125%
HK$182,729
baseline
▲ 0.50% · 4.625%
HK$193,848
+HK$11,119/mo
Deposit HK$16.16M · loan HK$37.70M · min. income ≈ HK$365,458/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$2,289,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,289
−HK$10,335/mo
▼ 0.25% · 3.875%
HK$196,419
−HK$5,205/mo
Today · 4.125%
HK$201,624
baseline
▲ 0.50% · 4.625%
HK$212,252
+HK$10,628/mo
Deposit HK$16.16M · loan HK$37.70M · min. income ≈ HK$403,248/mo (50% DSR)
Upfront cash ≈ HK$18.45M (deposit + AVD stamp duty HK$2,289,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,074
−HK$13,864/mo
▼ 0.25% · 3.875%
HK$227,951
−HK$6,987/mo
Today · 4.125%
HK$234,938
baseline
▲ 0.50% · 4.625%
HK$249,233
+HK$14,295/mo
Deposit HK$5.39M · loan HK$48.48M · min. income ≈ HK$469,876/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$2,289,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,943
−HK$13,288/mo
▼ 0.25% · 3.875%
HK$252,539
−HK$6,692/mo
Today · 4.125%
HK$259,231
baseline
▲ 0.50% · 4.625%
HK$272,895
+HK$13,664/mo
Deposit HK$5.39M · loan HK$48.48M · min. income ≈ HK$518,462/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$2,289,135 · Scale 2, in force from 26 Feb 2026)