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$123,041
−HK$7,716/mo
▼ 0.25% · 3.875%
HK$126,868
−HK$3,889/mo
Today · 4.125%
HK$130,757
baseline
▲ 0.50% · 4.625%
HK$138,713
+HK$7,956/mo
Deposit HK$26.98M · loan HK$26.98M · min. income ≈ HK$261,514/mo (50% DSR)
Upfront cash ≈ HK$29.27M (deposit + AVD stamp duty HK$2,293,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,882
−HK$7,395/mo
▼ 0.25% · 3.875%
HK$140,553
−HK$3,724/mo
Today · 4.125%
HK$144,277
baseline
▲ 0.50% · 4.625%
HK$151,882
+HK$7,605/mo
Deposit HK$26.98M · loan HK$26.98M · min. income ≈ HK$288,554/mo (50% DSR)
Upfront cash ≈ HK$29.27M (deposit + AVD stamp duty HK$2,293,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,649
−HK$9,259/mo
▼ 0.25% · 3.875%
HK$152,242
−HK$4,666/mo
Today · 4.125%
HK$156,908
baseline
▲ 0.50% · 4.625%
HK$166,456
+HK$9,548/mo
Deposit HK$21.58M · loan HK$32.38M · min. income ≈ HK$313,816/mo (50% DSR)
Upfront cash ≈ HK$23.88M (deposit + AVD stamp duty HK$2,293,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,258
−HK$8,875/mo
▼ 0.25% · 3.875%
HK$168,664
−HK$4,469/mo
Today · 4.125%
HK$173,133
baseline
▲ 0.50% · 4.625%
HK$182,259
+HK$9,126/mo
Deposit HK$21.58M · loan HK$32.38M · min. income ≈ HK$346,266/mo (50% DSR)
Upfront cash ≈ HK$23.88M (deposit + AVD stamp duty HK$2,293,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,258
−HK$10,802/mo
▼ 0.25% · 3.875%
HK$177,616
−HK$5,444/mo
Today · 4.125%
HK$183,060
baseline
▲ 0.50% · 4.625%
HK$194,198
+HK$11,138/mo
Deposit HK$16.19M · loan HK$37.77M · min. income ≈ HK$366,120/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$2,293,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,635
−HK$10,353/mo
▼ 0.25% · 3.875%
HK$196,774
−HK$5,214/mo
Today · 4.125%
HK$201,988
baseline
▲ 0.50% · 4.625%
HK$212,635
+HK$10,647/mo
Deposit HK$16.19M · loan HK$37.77M · min. income ≈ HK$403,976/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$2,293,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,474
−HK$13,888/mo
▼ 0.25% · 3.875%
HK$228,363
−HK$6,999/mo
Today · 4.125%
HK$235,362
baseline
▲ 0.50% · 4.625%
HK$249,684
+HK$14,322/mo
Deposit HK$5.40M · loan HK$48.56M · min. income ≈ HK$470,724/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$2,293,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,388
−HK$13,311/mo
▼ 0.25% · 3.875%
HK$252,996
−HK$6,703/mo
Today · 4.125%
HK$259,699
baseline
▲ 0.50% · 4.625%
HK$273,388
+HK$13,689/mo
Deposit HK$5.40M · loan HK$48.56M · min. income ≈ HK$519,398/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$2,293,273 · Scale 2, in force from 26 Feb 2026)