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$122,957
−HK$7,710/mo
▼ 0.25% · 3.875%
HK$126,781
−HK$3,886/mo
Today · 4.125%
HK$130,667
baseline
▲ 0.50% · 4.625%
HK$138,618
+HK$7,951/mo
Deposit HK$26.96M · loan HK$26.96M · min. income ≈ HK$261,334/mo (50% DSR)
Upfront cash ≈ HK$29.25M (deposit + AVD stamp duty HK$2,291,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,788
−HK$7,390/mo
▼ 0.25% · 3.875%
HK$140,457
−HK$3,721/mo
Today · 4.125%
HK$144,178
baseline
▲ 0.50% · 4.625%
HK$151,778
+HK$7,600/mo
Deposit HK$26.96M · loan HK$26.96M · min. income ≈ HK$288,356/mo (50% DSR)
Upfront cash ≈ HK$29.25M (deposit + AVD stamp duty HK$2,291,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,548
−HK$9,253/mo
▼ 0.25% · 3.875%
HK$152,138
−HK$4,663/mo
Today · 4.125%
HK$156,801
baseline
▲ 0.50% · 4.625%
HK$166,341
+HK$9,540/mo
Deposit HK$21.57M · loan HK$32.35M · min. income ≈ HK$313,602/mo (50% DSR)
Upfront cash ≈ HK$23.86M (deposit + AVD stamp duty HK$2,291,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,146
−HK$8,868/mo
▼ 0.25% · 3.875%
HK$168,548
−HK$4,466/mo
Today · 4.125%
HK$173,014
baseline
▲ 0.50% · 4.625%
HK$182,134
+HK$9,120/mo
Deposit HK$21.57M · loan HK$32.35M · min. income ≈ HK$346,028/mo (50% DSR)
Upfront cash ≈ HK$23.86M (deposit + AVD stamp duty HK$2,291,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,139
−HK$10,795/mo
▼ 0.25% · 3.875%
HK$177,494
−HK$5,440/mo
Today · 4.125%
HK$182,934
baseline
▲ 0.50% · 4.625%
HK$194,065
+HK$11,131/mo
Deposit HK$16.18M · loan HK$37.75M · min. income ≈ HK$365,868/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$2,291,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,503
−HK$10,347/mo
▼ 0.25% · 3.875%
HK$196,639
−HK$5,211/mo
Today · 4.125%
HK$201,850
baseline
▲ 0.50% · 4.625%
HK$212,489
+HK$10,639/mo
Deposit HK$16.18M · loan HK$37.75M · min. income ≈ HK$403,700/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$2,291,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,322
−HK$13,879/mo
▼ 0.25% · 3.875%
HK$228,206
−HK$6,995/mo
Today · 4.125%
HK$235,201
baseline
▲ 0.50% · 4.625%
HK$249,512
+HK$14,311/mo
Deposit HK$5.39M · loan HK$48.53M · min. income ≈ HK$470,402/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$2,291,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,218
−HK$13,303/mo
▼ 0.25% · 3.875%
HK$252,822
−HK$6,699/mo
Today · 4.125%
HK$259,521
baseline
▲ 0.50% · 4.625%
HK$273,201
+HK$13,680/mo
Deposit HK$5.39M · loan HK$48.53M · min. income ≈ HK$519,042/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$2,291,698 · Scale 2, in force from 26 Feb 2026)