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$120,901
−HK$7,581/mo
▼ 0.25% · 3.875%
HK$124,661
−HK$3,821/mo
Today · 4.125%
HK$128,482
baseline
▲ 0.50% · 4.625%
HK$136,300
+HK$7,818/mo
Deposit HK$26.51M · loan HK$26.51M · min. income ≈ HK$256,964/mo (50% DSR)
Upfront cash ≈ HK$28.76M (deposit + AVD stamp duty HK$2,253,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,501
−HK$7,266/mo
▼ 0.25% · 3.875%
HK$138,108
−HK$3,659/mo
Today · 4.125%
HK$141,767
baseline
▲ 0.50% · 4.625%
HK$149,240
+HK$7,473/mo
Deposit HK$26.51M · loan HK$26.51M · min. income ≈ HK$283,534/mo (50% DSR)
Upfront cash ≈ HK$28.76M (deposit + AVD stamp duty HK$2,253,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,081
−HK$9,098/mo
▼ 0.25% · 3.875%
HK$149,594
−HK$4,585/mo
Today · 4.125%
HK$154,179
baseline
▲ 0.50% · 4.625%
HK$163,560
+HK$9,381/mo
Deposit HK$21.21M · loan HK$31.81M · min. income ≈ HK$308,358/mo (50% DSR)
Upfront cash ≈ HK$23.46M (deposit + AVD stamp duty HK$2,253,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,401
−HK$8,720/mo
▼ 0.25% · 3.875%
HK$165,730
−HK$4,391/mo
Today · 4.125%
HK$170,121
baseline
▲ 0.50% · 4.625%
HK$179,088
+HK$8,967/mo
Deposit HK$21.21M · loan HK$31.81M · min. income ≈ HK$340,242/mo (50% DSR)
Upfront cash ≈ HK$23.46M (deposit + AVD stamp duty HK$2,253,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,261
−HK$10,614/mo
▼ 0.25% · 3.875%
HK$174,526
−HK$5,349/mo
Today · 4.125%
HK$179,875
baseline
▲ 0.50% · 4.625%
HK$190,820
+HK$10,945/mo
Deposit HK$15.91M · loan HK$37.11M · min. income ≈ HK$359,750/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$2,253,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,301
−HK$10,173/mo
▼ 0.25% · 3.875%
HK$193,351
−HK$5,123/mo
Today · 4.125%
HK$198,474
baseline
▲ 0.50% · 4.625%
HK$208,936
+HK$10,462/mo
Deposit HK$15.91M · loan HK$37.11M · min. income ≈ HK$396,948/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$2,253,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,621
−HK$13,647/mo
▼ 0.25% · 3.875%
HK$224,390
−HK$6,878/mo
Today · 4.125%
HK$231,268
baseline
▲ 0.50% · 4.625%
HK$245,340
+HK$14,072/mo
Deposit HK$5.30M · loan HK$47.72M · min. income ≈ HK$462,536/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$2,253,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,101
−HK$13,080/mo
▼ 0.25% · 3.875%
HK$248,594
−HK$6,587/mo
Today · 4.125%
HK$255,181
baseline
▲ 0.50% · 4.625%
HK$268,632
+HK$13,451/mo
Deposit HK$5.30M · loan HK$47.72M · min. income ≈ HK$510,362/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$2,253,378 · Scale 2, in force from 26 Feb 2026)