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$122,066
−HK$7,655/mo
▼ 0.25% · 3.875%
HK$125,863
−HK$3,858/mo
Today · 4.125%
HK$129,721
baseline
▲ 0.50% · 4.625%
HK$137,614
+HK$7,893/mo
Deposit HK$26.77M · loan HK$26.77M · min. income ≈ HK$259,442/mo (50% DSR)
Upfront cash ≈ HK$29.04M (deposit + AVD stamp duty HK$2,275,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,798
−HK$7,336/mo
▼ 0.25% · 3.875%
HK$139,440
−HK$3,694/mo
Today · 4.125%
HK$143,134
baseline
▲ 0.50% · 4.625%
HK$150,679
+HK$7,545/mo
Deposit HK$26.77M · loan HK$26.77M · min. income ≈ HK$286,268/mo (50% DSR)
Upfront cash ≈ HK$29.04M (deposit + AVD stamp duty HK$2,275,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,480
−HK$9,185/mo
▼ 0.25% · 3.875%
HK$151,036
−HK$4,629/mo
Today · 4.125%
HK$155,665
baseline
▲ 0.50% · 4.625%
HK$165,137
+HK$9,472/mo
Deposit HK$21.41M · loan HK$32.12M · min. income ≈ HK$311,330/mo (50% DSR)
Upfront cash ≈ HK$23.69M (deposit + AVD stamp duty HK$2,275,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,957
−HK$8,804/mo
▼ 0.25% · 3.875%
HK$167,328
−HK$4,433/mo
Today · 4.125%
HK$171,761
baseline
▲ 0.50% · 4.625%
HK$180,815
+HK$9,054/mo
Deposit HK$21.41M · loan HK$32.12M · min. income ≈ HK$343,522/mo (50% DSR)
Upfront cash ≈ HK$23.69M (deposit + AVD stamp duty HK$2,275,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,893
−HK$10,716/mo
▼ 0.25% · 3.875%
HK$176,209
−HK$5,400/mo
Today · 4.125%
HK$181,609
baseline
▲ 0.50% · 4.625%
HK$192,660
+HK$11,051/mo
Deposit HK$16.06M · loan HK$37.47M · min. income ≈ HK$363,218/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$2,275,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,117
−HK$10,271/mo
▼ 0.25% · 3.875%
HK$195,215
−HK$5,173/mo
Today · 4.125%
HK$200,388
baseline
▲ 0.50% · 4.625%
HK$210,951
+HK$10,563/mo
Deposit HK$16.06M · loan HK$37.47M · min. income ≈ HK$400,776/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$2,275,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,719
−HK$13,779/mo
▼ 0.25% · 3.875%
HK$226,554
−HK$6,944/mo
Today · 4.125%
HK$233,498
baseline
▲ 0.50% · 4.625%
HK$247,706
+HK$14,208/mo
Deposit HK$5.35M · loan HK$48.18M · min. income ≈ HK$466,996/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$2,275,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,436
−HK$13,206/mo
▼ 0.25% · 3.875%
HK$250,991
−HK$6,651/mo
Today · 4.125%
HK$257,642
baseline
▲ 0.50% · 4.625%
HK$271,222
+HK$13,580/mo
Deposit HK$5.35M · loan HK$48.18M · min. income ≈ HK$515,284/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$2,275,104 · Scale 2, in force from 26 Feb 2026)