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$121,078
−HK$7,592/mo
▼ 0.25% · 3.875%
HK$124,844
−HK$3,826/mo
Today · 4.125%
HK$128,670
baseline
▲ 0.50% · 4.625%
HK$136,500
+HK$7,830/mo
Deposit HK$26.55M · loan HK$26.55M · min. income ≈ HK$257,340/mo (50% DSR)
Upfront cash ≈ HK$28.81M (deposit + AVD stamp duty HK$2,256,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,698
−HK$7,277/mo
▼ 0.25% · 3.875%
HK$138,310
−HK$3,665/mo
Today · 4.125%
HK$141,975
baseline
▲ 0.50% · 4.625%
HK$149,459
+HK$7,484/mo
Deposit HK$26.55M · loan HK$26.55M · min. income ≈ HK$283,950/mo (50% DSR)
Upfront cash ≈ HK$28.81M (deposit + AVD stamp duty HK$2,256,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,293
−HK$9,112/mo
▼ 0.25% · 3.875%
HK$149,813
−HK$4,592/mo
Today · 4.125%
HK$154,405
baseline
▲ 0.50% · 4.625%
HK$163,800
+HK$9,395/mo
Deposit HK$21.24M · loan HK$31.86M · min. income ≈ HK$308,810/mo (50% DSR)
Upfront cash ≈ HK$23.50M (deposit + AVD stamp duty HK$2,256,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,637
−HK$8,733/mo
▼ 0.25% · 3.875%
HK$165,972
−HK$4,398/mo
Today · 4.125%
HK$170,370
baseline
▲ 0.50% · 4.625%
HK$179,351
+HK$8,981/mo
Deposit HK$21.24M · loan HK$31.86M · min. income ≈ HK$340,740/mo (50% DSR)
Upfront cash ≈ HK$23.50M (deposit + AVD stamp duty HK$2,256,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,509
−HK$10,630/mo
▼ 0.25% · 3.875%
HK$174,782
−HK$5,357/mo
Today · 4.125%
HK$180,139
baseline
▲ 0.50% · 4.625%
HK$191,100
+HK$10,961/mo
Deposit HK$15.93M · loan HK$37.17M · min. income ≈ HK$360,278/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$2,256,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,577
−HK$10,188/mo
▼ 0.25% · 3.875%
HK$193,634
−HK$5,131/mo
Today · 4.125%
HK$198,765
baseline
▲ 0.50% · 4.625%
HK$209,242
+HK$10,477/mo
Deposit HK$15.93M · loan HK$37.17M · min. income ≈ HK$397,530/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$2,256,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,940
−HK$13,667/mo
▼ 0.25% · 3.875%
HK$224,719
−HK$6,888/mo
Today · 4.125%
HK$231,607
baseline
▲ 0.50% · 4.625%
HK$245,700
+HK$14,093/mo
Deposit HK$5.31M · loan HK$47.79M · min. income ≈ HK$463,214/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$2,256,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,456
−HK$13,099/mo
▼ 0.25% · 3.875%
HK$248,959
−HK$6,596/mo
Today · 4.125%
HK$255,555
baseline
▲ 0.50% · 4.625%
HK$269,026
+HK$13,471/mo
Deposit HK$5.31M · loan HK$47.79M · min. income ≈ HK$511,110/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$2,256,679 · Scale 2, in force from 26 Feb 2026)