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$122,052
−HK$7,654/mo
▼ 0.25% · 3.875%
HK$125,849
−HK$3,857/mo
Today · 4.125%
HK$129,706
baseline
▲ 0.50% · 4.625%
HK$137,598
+HK$7,892/mo
Deposit HK$26.76M · loan HK$26.76M · min. income ≈ HK$259,412/mo (50% DSR)
Upfront cash ≈ HK$29.04M (deposit + AVD stamp duty HK$2,274,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,782
−HK$7,336/mo
▼ 0.25% · 3.875%
HK$139,423
−HK$3,695/mo
Today · 4.125%
HK$143,118
baseline
▲ 0.50% · 4.625%
HK$150,662
+HK$7,544/mo
Deposit HK$26.76M · loan HK$26.76M · min. income ≈ HK$286,236/mo (50% DSR)
Upfront cash ≈ HK$29.04M (deposit + AVD stamp duty HK$2,274,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,463
−HK$9,184/mo
▼ 0.25% · 3.875%
HK$151,018
−HK$4,629/mo
Today · 4.125%
HK$155,647
baseline
▲ 0.50% · 4.625%
HK$165,118
+HK$9,471/mo
Deposit HK$21.41M · loan HK$32.12M · min. income ≈ HK$311,294/mo (50% DSR)
Upfront cash ≈ HK$23.69M (deposit + AVD stamp duty HK$2,274,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,938
−HK$8,803/mo
▼ 0.25% · 3.875%
HK$167,308
−HK$4,433/mo
Today · 4.125%
HK$171,741
baseline
▲ 0.50% · 4.625%
HK$180,794
+HK$9,053/mo
Deposit HK$21.41M · loan HK$32.12M · min. income ≈ HK$343,482/mo (50% DSR)
Upfront cash ≈ HK$23.69M (deposit + AVD stamp duty HK$2,274,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,873
−HK$10,715/mo
▼ 0.25% · 3.875%
HK$176,188
−HK$5,400/mo
Today · 4.125%
HK$181,588
baseline
▲ 0.50% · 4.625%
HK$192,637
+HK$11,049/mo
Deposit HK$16.06M · loan HK$37.47M · min. income ≈ HK$363,176/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$2,274,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,094
−HK$10,271/mo
▼ 0.25% · 3.875%
HK$195,193
−HK$5,172/mo
Today · 4.125%
HK$200,365
baseline
▲ 0.50% · 4.625%
HK$210,926
+HK$10,561/mo
Deposit HK$16.06M · loan HK$37.47M · min. income ≈ HK$400,730/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$2,274,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,694
−HK$13,777/mo
▼ 0.25% · 3.875%
HK$226,528
−HK$6,943/mo
Today · 4.125%
HK$233,471
baseline
▲ 0.50% · 4.625%
HK$247,677
+HK$14,206/mo
Deposit HK$5.35M · loan HK$48.17M · min. income ≈ HK$466,942/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$2,274,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,407
−HK$13,205/mo
▼ 0.25% · 3.875%
HK$250,962
−HK$6,650/mo
Today · 4.125%
HK$257,612
baseline
▲ 0.50% · 4.625%
HK$271,191
+HK$13,579/mo
Deposit HK$5.35M · loan HK$48.17M · min. income ≈ HK$515,224/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$2,274,839 · Scale 2, in force from 26 Feb 2026)