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$121,253
−HK$7,604/mo
▼ 0.25% · 3.875%
HK$125,025
−HK$3,832/mo
Today · 4.125%
HK$128,857
baseline
▲ 0.50% · 4.625%
HK$136,698
+HK$7,841/mo
Deposit HK$26.59M · loan HK$26.59M · min. income ≈ HK$257,714/mo (50% DSR)
Upfront cash ≈ HK$28.85M (deposit + AVD stamp duty HK$2,259,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,893
−HK$7,288/mo
▼ 0.25% · 3.875%
HK$138,511
−HK$3,670/mo
Today · 4.125%
HK$142,181
baseline
▲ 0.50% · 4.625%
HK$149,675
+HK$7,494/mo
Deposit HK$26.59M · loan HK$26.59M · min. income ≈ HK$284,362/mo (50% DSR)
Upfront cash ≈ HK$28.85M (deposit + AVD stamp duty HK$2,259,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,504
−HK$9,124/mo
▼ 0.25% · 3.875%
HK$150,030
−HK$4,598/mo
Today · 4.125%
HK$154,628
baseline
▲ 0.50% · 4.625%
HK$164,037
+HK$9,409/mo
Deposit HK$21.27M · loan HK$31.91M · min. income ≈ HK$309,256/mo (50% DSR)
Upfront cash ≈ HK$23.53M (deposit + AVD stamp duty HK$2,259,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,872
−HK$8,745/mo
▼ 0.25% · 3.875%
HK$166,213
−HK$4,404/mo
Today · 4.125%
HK$170,617
baseline
▲ 0.50% · 4.625%
HK$179,611
+HK$8,994/mo
Deposit HK$21.27M · loan HK$31.91M · min. income ≈ HK$341,234/mo (50% DSR)
Upfront cash ≈ HK$23.53M (deposit + AVD stamp duty HK$2,259,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,755
−HK$10,645/mo
▼ 0.25% · 3.875%
HK$175,035
−HK$5,365/mo
Today · 4.125%
HK$180,400
baseline
▲ 0.50% · 4.625%
HK$191,377
+HK$10,977/mo
Deposit HK$15.95M · loan HK$37.22M · min. income ≈ HK$360,800/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$2,259,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,850
−HK$10,203/mo
▼ 0.25% · 3.875%
HK$193,915
−HK$5,138/mo
Today · 4.125%
HK$199,053
baseline
▲ 0.50% · 4.625%
HK$209,546
+HK$10,493/mo
Deposit HK$15.95M · loan HK$37.22M · min. income ≈ HK$398,106/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$2,259,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,256
−HK$13,686/mo
▼ 0.25% · 3.875%
HK$225,045
−HK$6,897/mo
Today · 4.125%
HK$231,942
baseline
▲ 0.50% · 4.625%
HK$246,056
+HK$14,114/mo
Deposit HK$5.32M · loan HK$47.86M · min. income ≈ HK$463,884/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$2,259,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,808
−HK$13,118/mo
▼ 0.25% · 3.875%
HK$249,319
−HK$6,607/mo
Today · 4.125%
HK$255,926
baseline
▲ 0.50% · 4.625%
HK$269,416
+HK$13,490/mo
Deposit HK$5.32M · loan HK$47.86M · min. income ≈ HK$511,852/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$2,259,950 · Scale 2, in force from 26 Feb 2026)