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$121,898
−HK$7,644/mo
▼ 0.25% · 3.875%
HK$125,690
−HK$3,852/mo
Today · 4.125%
HK$129,542
baseline
▲ 0.50% · 4.625%
HK$137,425
+HK$7,883/mo
Deposit HK$26.73M · loan HK$26.73M · min. income ≈ HK$259,084/mo (50% DSR)
Upfront cash ≈ HK$29.00M (deposit + AVD stamp duty HK$2,271,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,611
−HK$7,326/mo
▼ 0.25% · 3.875%
HK$139,248
−HK$3,689/mo
Today · 4.125%
HK$142,937
baseline
▲ 0.50% · 4.625%
HK$150,472
+HK$7,535/mo
Deposit HK$26.73M · loan HK$26.73M · min. income ≈ HK$285,874/mo (50% DSR)
Upfront cash ≈ HK$29.00M (deposit + AVD stamp duty HK$2,271,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,278
−HK$9,173/mo
▼ 0.25% · 3.875%
HK$150,828
−HK$4,623/mo
Today · 4.125%
HK$155,451
baseline
▲ 0.50% · 4.625%
HK$164,910
+HK$9,459/mo
Deposit HK$21.38M · loan HK$32.07M · min. income ≈ HK$310,902/mo (50% DSR)
Upfront cash ≈ HK$23.66M (deposit + AVD stamp duty HK$2,271,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,733
−HK$8,792/mo
▼ 0.25% · 3.875%
HK$167,097
−HK$4,428/mo
Today · 4.125%
HK$171,525
baseline
▲ 0.50% · 4.625%
HK$180,566
+HK$9,041/mo
Deposit HK$21.38M · loan HK$32.07M · min. income ≈ HK$343,050/mo (50% DSR)
Upfront cash ≈ HK$23.66M (deposit + AVD stamp duty HK$2,271,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,658
−HK$10,701/mo
▼ 0.25% · 3.875%
HK$175,966
−HK$5,393/mo
Today · 4.125%
HK$181,359
baseline
▲ 0.50% · 4.625%
HK$192,395
+HK$11,036/mo
Deposit HK$16.04M · loan HK$37.42M · min. income ≈ HK$362,718/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$2,271,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,855
−HK$10,257/mo
▼ 0.25% · 3.875%
HK$194,947
−HK$5,165/mo
Today · 4.125%
HK$200,112
baseline
▲ 0.50% · 4.625%
HK$210,660
+HK$10,548/mo
Deposit HK$16.04M · loan HK$37.42M · min. income ≈ HK$400,224/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$2,271,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,417
−HK$13,759/mo
▼ 0.25% · 3.875%
HK$226,242
−HK$6,934/mo
Today · 4.125%
HK$233,176
baseline
▲ 0.50% · 4.625%
HK$247,364
+HK$14,188/mo
Deposit HK$5.35M · loan HK$48.11M · min. income ≈ HK$466,352/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$2,271,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,099
−HK$13,188/mo
▼ 0.25% · 3.875%
HK$250,646
−HK$6,641/mo
Today · 4.125%
HK$257,287
baseline
▲ 0.50% · 4.625%
HK$270,849
+HK$13,562/mo
Deposit HK$5.35M · loan HK$48.11M · min. income ≈ HK$514,574/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$2,271,970 · Scale 2, in force from 26 Feb 2026)