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$121,007
−HK$7,588/mo
▼ 0.25% · 3.875%
HK$124,771
−HK$3,824/mo
Today · 4.125%
HK$128,595
baseline
▲ 0.50% · 4.625%
HK$136,420
+HK$7,825/mo
Deposit HK$26.53M · loan HK$26.53M · min. income ≈ HK$257,190/mo (50% DSR)
Upfront cash ≈ HK$28.79M (deposit + AVD stamp duty HK$2,255,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,619
−HK$7,273/mo
▼ 0.25% · 3.875%
HK$138,229
−HK$3,663/mo
Today · 4.125%
HK$141,892
baseline
▲ 0.50% · 4.625%
HK$149,371
+HK$7,479/mo
Deposit HK$26.53M · loan HK$26.53M · min. income ≈ HK$283,784/mo (50% DSR)
Upfront cash ≈ HK$28.79M (deposit + AVD stamp duty HK$2,255,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,208
−HK$9,106/mo
▼ 0.25% · 3.875%
HK$149,725
−HK$4,589/mo
Today · 4.125%
HK$154,314
baseline
▲ 0.50% · 4.625%
HK$163,704
+HK$9,390/mo
Deposit HK$21.23M · loan HK$31.84M · min. income ≈ HK$308,628/mo (50% DSR)
Upfront cash ≈ HK$23.48M (deposit + AVD stamp duty HK$2,255,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,543
−HK$8,727/mo
▼ 0.25% · 3.875%
HK$165,875
−HK$4,395/mo
Today · 4.125%
HK$170,270
baseline
▲ 0.50% · 4.625%
HK$179,246
+HK$8,976/mo
Deposit HK$21.23M · loan HK$31.84M · min. income ≈ HK$340,540/mo (50% DSR)
Upfront cash ≈ HK$23.48M (deposit + AVD stamp duty HK$2,255,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,410
−HK$10,623/mo
▼ 0.25% · 3.875%
HK$174,679
−HK$5,354/mo
Today · 4.125%
HK$180,033
baseline
▲ 0.50% · 4.625%
HK$190,988
+HK$10,955/mo
Deposit HK$15.92M · loan HK$37.15M · min. income ≈ HK$360,066/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$2,255,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,467
−HK$10,182/mo
▼ 0.25% · 3.875%
HK$193,521
−HK$5,128/mo
Today · 4.125%
HK$198,649
baseline
▲ 0.50% · 4.625%
HK$209,120
+HK$10,471/mo
Deposit HK$15.92M · loan HK$37.15M · min. income ≈ HK$397,298/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$2,255,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,812
−HK$13,659/mo
▼ 0.25% · 3.875%
HK$224,588
−HK$6,883/mo
Today · 4.125%
HK$231,471
baseline
▲ 0.50% · 4.625%
HK$245,556
+HK$14,085/mo
Deposit HK$5.31M · loan HK$47.76M · min. income ≈ HK$462,942/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$2,255,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,314
−HK$13,092/mo
▼ 0.25% · 3.875%
HK$248,813
−HK$6,593/mo
Today · 4.125%
HK$255,406
baseline
▲ 0.50% · 4.625%
HK$268,868
+HK$13,462/mo
Deposit HK$5.31M · loan HK$47.76M · min. income ≈ HK$510,812/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$2,255,358 · Scale 2, in force from 26 Feb 2026)