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$121,538
−HK$7,622/mo
▼ 0.25% · 3.875%
HK$125,319
−HK$3,841/mo
Today · 4.125%
HK$129,160
baseline
▲ 0.50% · 4.625%
HK$137,019
+HK$7,859/mo
Deposit HK$26.65M · loan HK$26.65M · min. income ≈ HK$258,320/mo (50% DSR)
Upfront cash ≈ HK$28.92M (deposit + AVD stamp duty HK$2,265,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,210
−HK$7,305/mo
▼ 0.25% · 3.875%
HK$138,836
−HK$3,679/mo
Today · 4.125%
HK$142,515
baseline
▲ 0.50% · 4.625%
HK$150,027
+HK$7,512/mo
Deposit HK$26.65M · loan HK$26.65M · min. income ≈ HK$285,030/mo (50% DSR)
Upfront cash ≈ HK$28.92M (deposit + AVD stamp duty HK$2,265,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,846
−HK$9,146/mo
▼ 0.25% · 3.875%
HK$150,382
−HK$4,610/mo
Today · 4.125%
HK$154,992
baseline
▲ 0.50% · 4.625%
HK$164,422
+HK$9,430/mo
Deposit HK$21.32M · loan HK$31.98M · min. income ≈ HK$309,984/mo (50% DSR)
Upfront cash ≈ HK$23.59M (deposit + AVD stamp duty HK$2,265,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,252
−HK$8,766/mo
▼ 0.25% · 3.875%
HK$166,603
−HK$4,415/mo
Today · 4.125%
HK$171,018
baseline
▲ 0.50% · 4.625%
HK$180,032
+HK$9,014/mo
Deposit HK$21.32M · loan HK$31.98M · min. income ≈ HK$342,036/mo (50% DSR)
Upfront cash ≈ HK$23.59M (deposit + AVD stamp duty HK$2,265,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,153
−HK$10,670/mo
▼ 0.25% · 3.875%
HK$175,446
−HK$5,377/mo
Today · 4.125%
HK$180,823
baseline
▲ 0.50% · 4.625%
HK$191,826
+HK$11,003/mo
Deposit HK$15.99M · loan HK$37.31M · min. income ≈ HK$361,646/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$2,265,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,294
−HK$10,227/mo
▼ 0.25% · 3.875%
HK$194,371
−HK$5,150/mo
Today · 4.125%
HK$199,521
baseline
▲ 0.50% · 4.625%
HK$210,038
+HK$10,517/mo
Deposit HK$15.99M · loan HK$37.31M · min. income ≈ HK$399,042/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$2,265,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,769
−HK$13,718/mo
▼ 0.25% · 3.875%
HK$225,574
−HK$6,913/mo
Today · 4.125%
HK$232,487
baseline
▲ 0.50% · 4.625%
HK$246,634
+HK$14,147/mo
Deposit HK$5.33M · loan HK$47.97M · min. income ≈ HK$464,974/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$2,265,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,378
−HK$13,149/mo
▼ 0.25% · 3.875%
HK$249,905
−HK$6,622/mo
Today · 4.125%
HK$256,527
baseline
▲ 0.50% · 4.625%
HK$270,049
+HK$13,522/mo
Deposit HK$5.33M · loan HK$47.97M · min. income ≈ HK$513,054/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$2,265,259 · Scale 2, in force from 26 Feb 2026)