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$121,744
−HK$7,634/mo
▼ 0.25% · 3.875%
HK$125,531
−HK$3,847/mo
Today · 4.125%
HK$129,378
baseline
▲ 0.50% · 4.625%
HK$137,251
+HK$7,873/mo
Deposit HK$26.70M · loan HK$26.70M · min. income ≈ HK$258,756/mo (50% DSR)
Upfront cash ≈ HK$28.96M (deposit + AVD stamp duty HK$2,269,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,439
−HK$7,317/mo
▼ 0.25% · 3.875%
HK$139,071
−HK$3,685/mo
Today · 4.125%
HK$142,756
baseline
▲ 0.50% · 4.625%
HK$150,281
+HK$7,525/mo
Deposit HK$26.70M · loan HK$26.70M · min. income ≈ HK$285,512/mo (50% DSR)
Upfront cash ≈ HK$28.96M (deposit + AVD stamp duty HK$2,269,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,093
−HK$9,161/mo
▼ 0.25% · 3.875%
HK$150,637
−HK$4,617/mo
Today · 4.125%
HK$155,254
baseline
▲ 0.50% · 4.625%
HK$164,701
+HK$9,447/mo
Deposit HK$21.36M · loan HK$32.03M · min. income ≈ HK$310,508/mo (50% DSR)
Upfront cash ≈ HK$23.63M (deposit + AVD stamp duty HK$2,269,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,527
−HK$8,780/mo
▼ 0.25% · 3.875%
HK$166,886
−HK$4,421/mo
Today · 4.125%
HK$171,307
baseline
▲ 0.50% · 4.625%
HK$180,337
+HK$9,030/mo
Deposit HK$21.36M · loan HK$32.03M · min. income ≈ HK$342,614/mo (50% DSR)
Upfront cash ≈ HK$23.63M (deposit + AVD stamp duty HK$2,269,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,441
−HK$10,689/mo
▼ 0.25% · 3.875%
HK$175,743
−HK$5,387/mo
Today · 4.125%
HK$181,130
baseline
▲ 0.50% · 4.625%
HK$192,151
+HK$11,021/mo
Deposit HK$16.02M · loan HK$37.37M · min. income ≈ HK$362,260/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$2,269,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,614
−HK$10,245/mo
▼ 0.25% · 3.875%
HK$194,700
−HK$5,159/mo
Today · 4.125%
HK$199,859
baseline
▲ 0.50% · 4.625%
HK$210,394
+HK$10,535/mo
Deposit HK$16.02M · loan HK$37.37M · min. income ≈ HK$399,718/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$2,269,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,139
−HK$13,742/mo
▼ 0.25% · 3.875%
HK$225,956
−HK$6,925/mo
Today · 4.125%
HK$232,881
baseline
▲ 0.50% · 4.625%
HK$247,051
+HK$14,170/mo
Deposit HK$5.34M · loan HK$48.05M · min. income ≈ HK$465,762/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$2,269,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,790
−HK$13,171/mo
▼ 0.25% · 3.875%
HK$250,328
−HK$6,633/mo
Today · 4.125%
HK$256,961
baseline
▲ 0.50% · 4.625%
HK$270,506
+HK$13,545/mo
Deposit HK$5.34M · loan HK$48.05M · min. income ≈ HK$513,922/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$2,269,094 · Scale 2, in force from 26 Feb 2026)