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$123,157
−HK$7,723/mo
▼ 0.25% · 3.875%
HK$126,988
−HK$3,892/mo
Today · 4.125%
HK$130,880
baseline
▲ 0.50% · 4.625%
HK$138,844
+HK$7,964/mo
Deposit HK$27.01M · loan HK$27.01M · min. income ≈ HK$261,760/mo (50% DSR)
Upfront cash ≈ HK$29.30M (deposit + AVD stamp duty HK$2,295,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,011
−HK$7,402/mo
▼ 0.25% · 3.875%
HK$140,685
−HK$3,728/mo
Today · 4.125%
HK$144,413
baseline
▲ 0.50% · 4.625%
HK$152,025
+HK$7,612/mo
Deposit HK$27.01M · loan HK$27.01M · min. income ≈ HK$288,826/mo (50% DSR)
Upfront cash ≈ HK$29.30M (deposit + AVD stamp duty HK$2,295,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,788
−HK$9,268/mo
▼ 0.25% · 3.875%
HK$152,385
−HK$4,671/mo
Today · 4.125%
HK$157,056
baseline
▲ 0.50% · 4.625%
HK$166,612
+HK$9,556/mo
Deposit HK$21.60M · loan HK$32.41M · min. income ≈ HK$314,112/mo (50% DSR)
Upfront cash ≈ HK$23.90M (deposit + AVD stamp duty HK$2,295,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,413
−HK$8,883/mo
▼ 0.25% · 3.875%
HK$168,823
−HK$4,473/mo
Today · 4.125%
HK$173,296
baseline
▲ 0.50% · 4.625%
HK$182,430
+HK$9,134/mo
Deposit HK$21.60M · loan HK$32.41M · min. income ≈ HK$346,592/mo (50% DSR)
Upfront cash ≈ HK$23.90M (deposit + AVD stamp duty HK$2,295,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,420
−HK$10,812/mo
▼ 0.25% · 3.875%
HK$177,783
−HK$5,449/mo
Today · 4.125%
HK$183,232
baseline
▲ 0.50% · 4.625%
HK$194,381
+HK$11,149/mo
Deposit HK$16.20M · loan HK$37.81M · min. income ≈ HK$366,464/mo (50% DSR)
Upfront cash ≈ HK$18.50M (deposit + AVD stamp duty HK$2,295,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,815
−HK$10,363/mo
▼ 0.25% · 3.875%
HK$196,960
−HK$5,218/mo
Today · 4.125%
HK$202,178
baseline
▲ 0.50% · 4.625%
HK$212,836
+HK$10,658/mo
Deposit HK$16.20M · loan HK$37.81M · min. income ≈ HK$404,356/mo (50% DSR)
Upfront cash ≈ HK$18.50M (deposit + AVD stamp duty HK$2,295,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,683
−HK$13,901/mo
▼ 0.25% · 3.875%
HK$228,578
−HK$7,006/mo
Today · 4.125%
HK$235,584
baseline
▲ 0.50% · 4.625%
HK$249,919
+HK$14,335/mo
Deposit HK$5.40M · loan HK$48.61M · min. income ≈ HK$471,168/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$2,295,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,620
−HK$13,324/mo
▼ 0.25% · 3.875%
HK$253,234
−HK$6,710/mo
Today · 4.125%
HK$259,944
baseline
▲ 0.50% · 4.625%
HK$273,646
+HK$13,702/mo
Deposit HK$5.40M · loan HK$48.61M · min. income ≈ HK$519,888/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$2,295,431 · Scale 2, in force from 26 Feb 2026)