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$122,022
−HK$7,651/mo
▼ 0.25% · 3.875%
HK$125,817
−HK$3,856/mo
Today · 4.125%
HK$129,673
baseline
▲ 0.50% · 4.625%
HK$137,564
+HK$7,891/mo
Deposit HK$26.76M · loan HK$26.76M · min. income ≈ HK$259,346/mo (50% DSR)
Upfront cash ≈ HK$29.03M (deposit + AVD stamp duty HK$2,274,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,748
−HK$7,334/mo
▼ 0.25% · 3.875%
HK$139,389
−HK$3,693/mo
Today · 4.125%
HK$143,082
baseline
▲ 0.50% · 4.625%
HK$150,624
+HK$7,542/mo
Deposit HK$26.76M · loan HK$26.76M · min. income ≈ HK$286,164/mo (50% DSR)
Upfront cash ≈ HK$29.03M (deposit + AVD stamp duty HK$2,274,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,426
−HK$9,182/mo
▼ 0.25% · 3.875%
HK$150,981
−HK$4,627/mo
Today · 4.125%
HK$155,608
baseline
▲ 0.50% · 4.625%
HK$165,077
+HK$9,469/mo
Deposit HK$21.40M · loan HK$32.11M · min. income ≈ HK$311,216/mo (50% DSR)
Upfront cash ≈ HK$23.68M (deposit + AVD stamp duty HK$2,274,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,897
−HK$8,801/mo
▼ 0.25% · 3.875%
HK$167,266
−HK$4,432/mo
Today · 4.125%
HK$171,698
baseline
▲ 0.50% · 4.625%
HK$180,749
+HK$9,051/mo
Deposit HK$21.40M · loan HK$32.11M · min. income ≈ HK$343,396/mo (50% DSR)
Upfront cash ≈ HK$23.68M (deposit + AVD stamp duty HK$2,274,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,830
−HK$10,713/mo
▼ 0.25% · 3.875%
HK$176,144
−HK$5,399/mo
Today · 4.125%
HK$181,543
baseline
▲ 0.50% · 4.625%
HK$192,589
+HK$11,046/mo
Deposit HK$16.05M · loan HK$37.46M · min. income ≈ HK$363,086/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$2,274,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,047
−HK$10,268/mo
▼ 0.25% · 3.875%
HK$195,144
−HK$5,171/mo
Today · 4.125%
HK$200,315
baseline
▲ 0.50% · 4.625%
HK$210,874
+HK$10,559/mo
Deposit HK$16.05M · loan HK$37.46M · min. income ≈ HK$400,630/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$2,274,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,639
−HK$13,773/mo
▼ 0.25% · 3.875%
HK$226,471
−HK$6,941/mo
Today · 4.125%
HK$233,412
baseline
▲ 0.50% · 4.625%
HK$247,615
+HK$14,203/mo
Deposit HK$5.35M · loan HK$48.16M · min. income ≈ HK$466,824/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$2,274,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,346
−HK$13,201/mo
▼ 0.25% · 3.875%
HK$250,899
−HK$6,648/mo
Today · 4.125%
HK$257,547
baseline
▲ 0.50% · 4.625%
HK$271,123
+HK$13,576/mo
Deposit HK$5.35M · loan HK$48.16M · min. income ≈ HK$515,094/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$2,274,271 · Scale 2, in force from 26 Feb 2026)