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$122,299
−HK$7,669/mo
▼ 0.25% · 3.875%
HK$126,103
−HK$3,865/mo
Today · 4.125%
HK$129,968
baseline
▲ 0.50% · 4.625%
HK$137,876
+HK$7,908/mo
Deposit HK$26.82M · loan HK$26.82M · min. income ≈ HK$259,936/mo (50% DSR)
Upfront cash ≈ HK$29.10M (deposit + AVD stamp duty HK$2,279,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,056
−HK$7,351/mo
▼ 0.25% · 3.875%
HK$139,705
−HK$3,702/mo
Today · 4.125%
HK$143,407
baseline
▲ 0.50% · 4.625%
HK$150,966
+HK$7,559/mo
Deposit HK$26.82M · loan HK$26.82M · min. income ≈ HK$286,814/mo (50% DSR)
Upfront cash ≈ HK$29.10M (deposit + AVD stamp duty HK$2,279,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,759
−HK$9,203/mo
▼ 0.25% · 3.875%
HK$151,324
−HK$4,638/mo
Today · 4.125%
HK$155,962
baseline
▲ 0.50% · 4.625%
HK$165,451
+HK$9,489/mo
Deposit HK$21.45M · loan HK$32.18M · min. income ≈ HK$311,924/mo (50% DSR)
Upfront cash ≈ HK$23.73M (deposit + AVD stamp duty HK$2,279,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,267
−HK$8,821/mo
▼ 0.25% · 3.875%
HK$167,646
−HK$4,442/mo
Today · 4.125%
HK$172,088
baseline
▲ 0.50% · 4.625%
HK$181,159
+HK$9,071/mo
Deposit HK$21.45M · loan HK$32.18M · min. income ≈ HK$344,176/mo (50% DSR)
Upfront cash ≈ HK$23.73M (deposit + AVD stamp duty HK$2,279,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,218
−HK$10,737/mo
▼ 0.25% · 3.875%
HK$176,544
−HK$5,411/mo
Today · 4.125%
HK$181,955
baseline
▲ 0.50% · 4.625%
HK$193,027
+HK$11,072/mo
Deposit HK$16.09M · loan HK$37.54M · min. income ≈ HK$363,910/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$2,279,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,479
−HK$10,291/mo
▼ 0.25% · 3.875%
HK$195,587
−HK$5,183/mo
Today · 4.125%
HK$200,770
baseline
▲ 0.50% · 4.625%
HK$211,352
+HK$10,582/mo
Deposit HK$16.09M · loan HK$37.54M · min. income ≈ HK$401,540/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$2,279,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,138
−HK$13,804/mo
▼ 0.25% · 3.875%
HK$226,985
−HK$6,957/mo
Today · 4.125%
HK$233,942
baseline
▲ 0.50% · 4.625%
HK$248,177
+HK$14,235/mo
Deposit HK$5.36M · loan HK$48.27M · min. income ≈ HK$467,884/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$2,279,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,901
−HK$13,231/mo
▼ 0.25% · 3.875%
HK$251,469
−HK$6,663/mo
Today · 4.125%
HK$258,132
baseline
▲ 0.50% · 4.625%
HK$271,739
+HK$13,607/mo
Deposit HK$5.36M · loan HK$48.27M · min. income ≈ HK$516,264/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$2,279,436 · Scale 2, in force from 26 Feb 2026)