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$122,096
−HK$7,656/mo
▼ 0.25% · 3.875%
HK$125,894
−HK$3,858/mo
Today · 4.125%
HK$129,752
baseline
▲ 0.50% · 4.625%
HK$137,647
+HK$7,895/mo
Deposit HK$26.77M · loan HK$26.77M · min. income ≈ HK$259,504/mo (50% DSR)
Upfront cash ≈ HK$29.05M (deposit + AVD stamp duty HK$2,275,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,830
−HK$7,339/mo
▼ 0.25% · 3.875%
HK$139,473
−HK$3,696/mo
Today · 4.125%
HK$143,169
baseline
▲ 0.50% · 4.625%
HK$150,715
+HK$7,546/mo
Deposit HK$26.77M · loan HK$26.77M · min. income ≈ HK$286,338/mo (50% DSR)
Upfront cash ≈ HK$29.05M (deposit + AVD stamp duty HK$2,275,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,515
−HK$9,188/mo
▼ 0.25% · 3.875%
HK$151,072
−HK$4,631/mo
Today · 4.125%
HK$155,703
baseline
▲ 0.50% · 4.625%
HK$165,177
+HK$9,474/mo
Deposit HK$21.42M · loan HK$32.13M · min. income ≈ HK$311,406/mo (50% DSR)
Upfront cash ≈ HK$23.69M (deposit + AVD stamp duty HK$2,275,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,996
−HK$8,806/mo
▼ 0.25% · 3.875%
HK$167,368
−HK$4,434/mo
Today · 4.125%
HK$171,802
baseline
▲ 0.50% · 4.625%
HK$180,858
+HK$9,056/mo
Deposit HK$21.42M · loan HK$32.13M · min. income ≈ HK$343,604/mo (50% DSR)
Upfront cash ≈ HK$23.69M (deposit + AVD stamp duty HK$2,275,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,934
−HK$10,719/mo
▼ 0.25% · 3.875%
HK$176,251
−HK$5,402/mo
Today · 4.125%
HK$181,653
baseline
▲ 0.50% · 4.625%
HK$192,706
+HK$11,053/mo
Deposit HK$16.06M · loan HK$37.48M · min. income ≈ HK$363,306/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$2,275,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,162
−HK$10,274/mo
▼ 0.25% · 3.875%
HK$195,262
−HK$5,174/mo
Today · 4.125%
HK$200,436
baseline
▲ 0.50% · 4.625%
HK$211,002
+HK$10,566/mo
Deposit HK$16.06M · loan HK$37.48M · min. income ≈ HK$400,872/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$2,275,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,772
−HK$13,782/mo
▼ 0.25% · 3.875%
HK$226,608
−HK$6,946/mo
Today · 4.125%
HK$233,554
baseline
▲ 0.50% · 4.625%
HK$247,765
+HK$14,211/mo
Deposit HK$5.35M · loan HK$48.19M · min. income ≈ HK$467,108/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$2,275,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,494
−HK$13,210/mo
▼ 0.25% · 3.875%
HK$251,052
−HK$6,652/mo
Today · 4.125%
HK$257,704
baseline
▲ 0.50% · 4.625%
HK$271,288
+HK$13,584/mo
Deposit HK$5.35M · loan HK$48.19M · min. income ≈ HK$515,408/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$2,275,652 · Scale 2, in force from 26 Feb 2026)