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$122,990
−HK$7,713/mo
▼ 0.25% · 3.875%
HK$126,816
−HK$3,887/mo
Today · 4.125%
HK$130,703
baseline
▲ 0.50% · 4.625%
HK$138,656
+HK$7,953/mo
Deposit HK$26.97M · loan HK$26.97M · min. income ≈ HK$261,406/mo (50% DSR)
Upfront cash ≈ HK$29.26M (deposit + AVD stamp duty HK$2,292,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,825
−HK$7,393/mo
▼ 0.25% · 3.875%
HK$140,495
−HK$3,723/mo
Today · 4.125%
HK$144,218
baseline
▲ 0.50% · 4.625%
HK$151,820
+HK$7,602/mo
Deposit HK$26.97M · loan HK$26.97M · min. income ≈ HK$288,436/mo (50% DSR)
Upfront cash ≈ HK$29.26M (deposit + AVD stamp duty HK$2,292,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,588
−HK$9,255/mo
▼ 0.25% · 3.875%
HK$152,179
−HK$4,664/mo
Today · 4.125%
HK$156,843
baseline
▲ 0.50% · 4.625%
HK$166,387
+HK$9,544/mo
Deposit HK$21.57M · loan HK$32.36M · min. income ≈ HK$313,686/mo (50% DSR)
Upfront cash ≈ HK$23.87M (deposit + AVD stamp duty HK$2,292,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,191
−HK$8,870/mo
▼ 0.25% · 3.875%
HK$168,594
−HK$4,467/mo
Today · 4.125%
HK$173,061
baseline
▲ 0.50% · 4.625%
HK$182,184
+HK$9,123/mo
Deposit HK$21.57M · loan HK$32.36M · min. income ≈ HK$346,122/mo (50% DSR)
Upfront cash ≈ HK$23.87M (deposit + AVD stamp duty HK$2,292,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,186
−HK$10,798/mo
▼ 0.25% · 3.875%
HK$177,542
−HK$5,442/mo
Today · 4.125%
HK$182,984
baseline
▲ 0.50% · 4.625%
HK$194,118
+HK$11,134/mo
Deposit HK$16.18M · loan HK$37.76M · min. income ≈ HK$365,968/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$2,292,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,556
−HK$10,349/mo
▼ 0.25% · 3.875%
HK$196,693
−HK$5,212/mo
Today · 4.125%
HK$201,905
baseline
▲ 0.50% · 4.625%
HK$212,547
+HK$10,642/mo
Deposit HK$16.18M · loan HK$37.76M · min. income ≈ HK$403,810/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$2,292,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,383
−HK$13,882/mo
▼ 0.25% · 3.875%
HK$228,269
−HK$6,996/mo
Today · 4.125%
HK$235,265
baseline
▲ 0.50% · 4.625%
HK$249,580
+HK$14,315/mo
Deposit HK$5.39M · loan HK$48.54M · min. income ≈ HK$470,530/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$2,292,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,286
−HK$13,306/mo
▼ 0.25% · 3.875%
HK$252,891
−HK$6,701/mo
Today · 4.125%
HK$259,592
baseline
▲ 0.50% · 4.625%
HK$273,275
+HK$13,683/mo
Deposit HK$5.39M · loan HK$48.54M · min. income ≈ HK$519,184/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$2,292,325 · Scale 2, in force from 26 Feb 2026)