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$121,472
−HK$7,618/mo
▼ 0.25% · 3.875%
HK$125,251
−HK$3,839/mo
Today · 4.125%
HK$129,090
baseline
▲ 0.50% · 4.625%
HK$136,945
+HK$7,855/mo
Deposit HK$26.64M · loan HK$26.64M · min. income ≈ HK$258,180/mo (50% DSR)
Upfront cash ≈ HK$28.90M (deposit + AVD stamp duty HK$2,264,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,137
−HK$7,301/mo
▼ 0.25% · 3.875%
HK$138,761
−HK$3,677/mo
Today · 4.125%
HK$142,438
baseline
▲ 0.50% · 4.625%
HK$149,946
+HK$7,508/mo
Deposit HK$26.64M · loan HK$26.64M · min. income ≈ HK$284,876/mo (50% DSR)
Upfront cash ≈ HK$28.90M (deposit + AVD stamp duty HK$2,264,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,767
−HK$9,141/mo
▼ 0.25% · 3.875%
HK$150,301
−HK$4,607/mo
Today · 4.125%
HK$154,908
baseline
▲ 0.50% · 4.625%
HK$164,333
+HK$9,425/mo
Deposit HK$21.31M · loan HK$31.96M · min. income ≈ HK$309,816/mo (50% DSR)
Upfront cash ≈ HK$23.57M (deposit + AVD stamp duty HK$2,264,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,164
−HK$8,761/mo
▼ 0.25% · 3.875%
HK$166,513
−HK$4,412/mo
Today · 4.125%
HK$170,925
baseline
▲ 0.50% · 4.625%
HK$179,935
+HK$9,010/mo
Deposit HK$21.31M · loan HK$31.96M · min. income ≈ HK$341,850/mo (50% DSR)
Upfront cash ≈ HK$23.57M (deposit + AVD stamp duty HK$2,264,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,061
−HK$10,665/mo
▼ 0.25% · 3.875%
HK$175,351
−HK$5,375/mo
Today · 4.125%
HK$180,726
baseline
▲ 0.50% · 4.625%
HK$191,722
+HK$10,996/mo
Deposit HK$15.98M · loan HK$37.29M · min. income ≈ HK$361,452/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$2,264,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,192
−HK$10,221/mo
▼ 0.25% · 3.875%
HK$194,266
−HK$5,147/mo
Today · 4.125%
HK$199,413
baseline
▲ 0.50% · 4.625%
HK$209,924
+HK$10,511/mo
Deposit HK$15.98M · loan HK$37.29M · min. income ≈ HK$398,826/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$2,264,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,650
−HK$13,712/mo
▼ 0.25% · 3.875%
HK$225,452
−HK$6,910/mo
Today · 4.125%
HK$232,362
baseline
▲ 0.50% · 4.625%
HK$246,500
+HK$14,138/mo
Deposit HK$5.33M · loan HK$47.94M · min. income ≈ HK$464,724/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$2,264,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,246
−HK$13,142/mo
▼ 0.25% · 3.875%
HK$249,770
−HK$6,618/mo
Today · 4.125%
HK$256,388
baseline
▲ 0.50% · 4.625%
HK$269,903
+HK$13,515/mo
Deposit HK$5.33M · loan HK$47.94M · min. income ≈ HK$512,776/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$2,264,034 · Scale 2, in force from 26 Feb 2026)