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$122,753
−HK$7,698/mo
▼ 0.25% · 3.875%
HK$126,572
−HK$3,879/mo
Today · 4.125%
HK$130,451
baseline
▲ 0.50% · 4.625%
HK$138,389
+HK$7,938/mo
Deposit HK$26.92M · loan HK$26.92M · min. income ≈ HK$260,902/mo (50% DSR)
Upfront cash ≈ HK$29.20M (deposit + AVD stamp duty HK$2,287,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,562
−HK$7,378/mo
▼ 0.25% · 3.875%
HK$140,224
−HK$3,716/mo
Today · 4.125%
HK$143,940
baseline
▲ 0.50% · 4.625%
HK$151,527
+HK$7,587/mo
Deposit HK$26.92M · loan HK$26.92M · min. income ≈ HK$287,880/mo (50% DSR)
Upfront cash ≈ HK$29.20M (deposit + AVD stamp duty HK$2,287,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,304
−HK$9,237/mo
▼ 0.25% · 3.875%
HK$151,886
−HK$4,655/mo
Today · 4.125%
HK$156,541
baseline
▲ 0.50% · 4.625%
HK$166,066
+HK$9,525/mo
Deposit HK$21.53M · loan HK$32.30M · min. income ≈ HK$313,082/mo (50% DSR)
Upfront cash ≈ HK$23.82M (deposit + AVD stamp duty HK$2,287,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,874
−HK$8,854/mo
▼ 0.25% · 3.875%
HK$168,269
−HK$4,459/mo
Today · 4.125%
HK$172,728
baseline
▲ 0.50% · 4.625%
HK$181,833
+HK$9,105/mo
Deposit HK$21.53M · loan HK$32.30M · min. income ≈ HK$345,456/mo (50% DSR)
Upfront cash ≈ HK$23.82M (deposit + AVD stamp duty HK$2,287,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,855
−HK$10,776/mo
▼ 0.25% · 3.875%
HK$177,200
−HK$5,431/mo
Today · 4.125%
HK$182,631
baseline
▲ 0.50% · 4.625%
HK$193,744
+HK$11,113/mo
Deposit HK$16.15M · loan HK$37.68M · min. income ≈ HK$365,262/mo (50% DSR)
Upfront cash ≈ HK$18.44M (deposit + AVD stamp duty HK$2,287,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,187
−HK$10,329/mo
▼ 0.25% · 3.875%
HK$196,314
−HK$5,202/mo
Today · 4.125%
HK$201,516
baseline
▲ 0.50% · 4.625%
HK$212,138
+HK$10,622/mo
Deposit HK$16.15M · loan HK$37.68M · min. income ≈ HK$403,032/mo (50% DSR)
Upfront cash ≈ HK$18.44M (deposit + AVD stamp duty HK$2,287,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,956
−HK$13,856/mo
▼ 0.25% · 3.875%
HK$227,829
−HK$6,983/mo
Today · 4.125%
HK$234,812
baseline
▲ 0.50% · 4.625%
HK$249,100
+HK$14,288/mo
Deposit HK$5.38M · loan HK$48.45M · min. income ≈ HK$469,624/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$2,287,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,811
−HK$13,281/mo
▼ 0.25% · 3.875%
HK$252,404
−HK$6,688/mo
Today · 4.125%
HK$259,092
baseline
▲ 0.50% · 4.625%
HK$272,749
+HK$13,657/mo
Deposit HK$5.38M · loan HK$48.45M · min. income ≈ HK$518,184/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$2,287,908 · Scale 2, in force from 26 Feb 2026)