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$120,808
−HK$7,575/mo
▼ 0.25% · 3.875%
HK$124,565
−HK$3,818/mo
Today · 4.125%
HK$128,383
baseline
▲ 0.50% · 4.625%
HK$136,195
+HK$7,812/mo
Deposit HK$26.49M · loan HK$26.49M · min. income ≈ HK$256,766/mo (50% DSR)
Upfront cash ≈ HK$28.74M (deposit + AVD stamp duty HK$2,251,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,397
−HK$7,261/mo
▼ 0.25% · 3.875%
HK$138,002
−HK$3,656/mo
Today · 4.125%
HK$141,658
baseline
▲ 0.50% · 4.625%
HK$149,125
+HK$7,467/mo
Deposit HK$26.49M · loan HK$26.49M · min. income ≈ HK$283,316/mo (50% DSR)
Upfront cash ≈ HK$28.74M (deposit + AVD stamp duty HK$2,251,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,969
−HK$9,091/mo
▼ 0.25% · 3.875%
HK$149,479
−HK$4,581/mo
Today · 4.125%
HK$154,060
baseline
▲ 0.50% · 4.625%
HK$163,434
+HK$9,374/mo
Deposit HK$21.19M · loan HK$31.79M · min. income ≈ HK$308,120/mo (50% DSR)
Upfront cash ≈ HK$23.44M (deposit + AVD stamp duty HK$2,251,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,277
−HK$8,713/mo
▼ 0.25% · 3.875%
HK$165,602
−HK$4,388/mo
Today · 4.125%
HK$169,990
baseline
▲ 0.50% · 4.625%
HK$178,950
+HK$8,960/mo
Deposit HK$21.19M · loan HK$31.79M · min. income ≈ HK$339,980/mo (50% DSR)
Upfront cash ≈ HK$23.44M (deposit + AVD stamp duty HK$2,251,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,131
−HK$10,606/mo
▼ 0.25% · 3.875%
HK$174,392
−HK$5,345/mo
Today · 4.125%
HK$179,737
baseline
▲ 0.50% · 4.625%
HK$190,673
+HK$10,936/mo
Deposit HK$15.89M · loan HK$37.09M · min. income ≈ HK$359,474/mo (50% DSR)
Upfront cash ≈ HK$18.15M (deposit + AVD stamp duty HK$2,251,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,156
−HK$10,166/mo
▼ 0.25% · 3.875%
HK$193,202
−HK$5,120/mo
Today · 4.125%
HK$198,322
baseline
▲ 0.50% · 4.625%
HK$208,776
+HK$10,454/mo
Deposit HK$15.89M · loan HK$37.09M · min. income ≈ HK$396,644/mo (50% DSR)
Upfront cash ≈ HK$18.15M (deposit + AVD stamp duty HK$2,251,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,454
−HK$13,636/mo
▼ 0.25% · 3.875%
HK$224,218
−HK$6,872/mo
Today · 4.125%
HK$231,090
baseline
▲ 0.50% · 4.625%
HK$245,151
+HK$14,061/mo
Deposit HK$5.30M · loan HK$47.68M · min. income ≈ HK$462,180/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$2,251,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,915
−HK$13,070/mo
▼ 0.25% · 3.875%
HK$248,403
−HK$6,582/mo
Today · 4.125%
HK$254,985
baseline
▲ 0.50% · 4.625%
HK$268,426
+HK$13,441/mo
Deposit HK$5.30M · loan HK$47.68M · min. income ≈ HK$509,970/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$2,251,644 · Scale 2, in force from 26 Feb 2026)