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$123,107
−HK$7,720/mo
▼ 0.25% · 3.875%
HK$126,936
−HK$3,891/mo
Today · 4.125%
HK$130,827
baseline
▲ 0.50% · 4.625%
HK$138,787
+HK$7,960/mo
Deposit HK$26.99M · loan HK$26.99M · min. income ≈ HK$261,654/mo (50% DSR)
Upfront cash ≈ HK$29.29M (deposit + AVD stamp duty HK$2,294,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,955
−HK$7,400/mo
▼ 0.25% · 3.875%
HK$140,628
−HK$3,727/mo
Today · 4.125%
HK$144,355
baseline
▲ 0.50% · 4.625%
HK$151,964
+HK$7,609/mo
Deposit HK$26.99M · loan HK$26.99M · min. income ≈ HK$288,710/mo (50% DSR)
Upfront cash ≈ HK$29.29M (deposit + AVD stamp duty HK$2,294,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,728
−HK$9,264/mo
▼ 0.25% · 3.875%
HK$152,324
−HK$4,668/mo
Today · 4.125%
HK$156,992
baseline
▲ 0.50% · 4.625%
HK$166,545
+HK$9,553/mo
Deposit HK$21.60M · loan HK$32.39M · min. income ≈ HK$313,984/mo (50% DSR)
Upfront cash ≈ HK$23.89M (deposit + AVD stamp duty HK$2,294,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,346
−HK$8,879/mo
▼ 0.25% · 3.875%
HK$168,754
−HK$4,471/mo
Today · 4.125%
HK$173,225
baseline
▲ 0.50% · 4.625%
HK$182,356
+HK$9,131/mo
Deposit HK$21.60M · loan HK$32.39M · min. income ≈ HK$346,450/mo (50% DSR)
Upfront cash ≈ HK$23.89M (deposit + AVD stamp duty HK$2,294,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,350
−HK$10,808/mo
▼ 0.25% · 3.875%
HK$177,711
−HK$5,447/mo
Today · 4.125%
HK$183,158
baseline
▲ 0.50% · 4.625%
HK$194,302
+HK$11,144/mo
Deposit HK$16.20M · loan HK$37.79M · min. income ≈ HK$366,316/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$2,294,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,737
−HK$10,359/mo
▼ 0.25% · 3.875%
HK$196,880
−HK$5,216/mo
Today · 4.125%
HK$202,096
baseline
▲ 0.50% · 4.625%
HK$212,749
+HK$10,653/mo
Deposit HK$16.20M · loan HK$37.79M · min. income ≈ HK$404,192/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$2,294,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,593
−HK$13,895/mo
▼ 0.25% · 3.875%
HK$228,485
−HK$7,003/mo
Today · 4.125%
HK$235,488
baseline
▲ 0.50% · 4.625%
HK$249,817
+HK$14,329/mo
Deposit HK$5.40M · loan HK$48.59M · min. income ≈ HK$470,976/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$2,294,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,520
−HK$13,318/mo
▼ 0.25% · 3.875%
HK$253,131
−HK$6,707/mo
Today · 4.125%
HK$259,838
baseline
▲ 0.50% · 4.625%
HK$273,535
+HK$13,697/mo
Deposit HK$5.40M · loan HK$48.59M · min. income ≈ HK$519,676/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$2,294,500 · Scale 2, in force from 26 Feb 2026)