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$121,337
−HK$7,608/mo
▼ 0.25% · 3.875%
HK$125,111
−HK$3,834/mo
Today · 4.125%
HK$128,945
baseline
▲ 0.50% · 4.625%
HK$136,791
+HK$7,846/mo
Deposit HK$26.61M · loan HK$26.61M · min. income ≈ HK$257,890/mo (50% DSR)
Upfront cash ≈ HK$28.87M (deposit + AVD stamp duty HK$2,261,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,986
−HK$7,293/mo
▼ 0.25% · 3.875%
HK$138,606
−HK$3,673/mo
Today · 4.125%
HK$142,279
baseline
▲ 0.50% · 4.625%
HK$149,778
+HK$7,499/mo
Deposit HK$26.61M · loan HK$26.61M · min. income ≈ HK$284,558/mo (50% DSR)
Upfront cash ≈ HK$28.87M (deposit + AVD stamp duty HK$2,261,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,604
−HK$9,130/mo
▼ 0.25% · 3.875%
HK$150,133
−HK$4,601/mo
Today · 4.125%
HK$154,734
baseline
▲ 0.50% · 4.625%
HK$164,150
+HK$9,416/mo
Deposit HK$21.28M · loan HK$31.93M · min. income ≈ HK$309,468/mo (50% DSR)
Upfront cash ≈ HK$23.55M (deposit + AVD stamp duty HK$2,261,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,983
−HK$8,751/mo
▼ 0.25% · 3.875%
HK$166,327
−HK$4,407/mo
Today · 4.125%
HK$170,734
baseline
▲ 0.50% · 4.625%
HK$179,734
+HK$9,000/mo
Deposit HK$21.28M · loan HK$31.93M · min. income ≈ HK$341,468/mo (50% DSR)
Upfront cash ≈ HK$23.55M (deposit + AVD stamp duty HK$2,261,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,871
−HK$10,653/mo
▼ 0.25% · 3.875%
HK$175,155
−HK$5,369/mo
Today · 4.125%
HK$180,524
baseline
▲ 0.50% · 4.625%
HK$191,508
+HK$10,984/mo
Deposit HK$15.96M · loan HK$37.25M · min. income ≈ HK$361,048/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$2,261,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,980
−HK$10,210/mo
▼ 0.25% · 3.875%
HK$194,048
−HK$5,142/mo
Today · 4.125%
HK$199,190
baseline
▲ 0.50% · 4.625%
HK$209,689
+HK$10,499/mo
Deposit HK$15.96M · loan HK$37.25M · min. income ≈ HK$398,380/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$2,261,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,406
−HK$13,696/mo
▼ 0.25% · 3.875%
HK$225,199
−HK$6,903/mo
Today · 4.125%
HK$232,102
baseline
▲ 0.50% · 4.625%
HK$246,225
+HK$14,123/mo
Deposit HK$5.32M · loan HK$47.89M · min. income ≈ HK$464,204/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$2,261,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,974
−HK$13,127/mo
▼ 0.25% · 3.875%
HK$249,491
−HK$6,610/mo
Today · 4.125%
HK$256,101
baseline
▲ 0.50% · 4.625%
HK$269,601
+HK$13,500/mo
Deposit HK$5.32M · loan HK$47.89M · min. income ≈ HK$512,202/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$2,261,501 · Scale 2, in force from 26 Feb 2026)