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$122,355
−HK$7,673/mo
▼ 0.25% · 3.875%
HK$126,161
−HK$3,867/mo
Today · 4.125%
HK$130,028
baseline
▲ 0.50% · 4.625%
HK$137,940
+HK$7,912/mo
Deposit HK$26.83M · loan HK$26.83M · min. income ≈ HK$260,056/mo (50% DSR)
Upfront cash ≈ HK$29.11M (deposit + AVD stamp duty HK$2,280,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,119
−HK$7,354/mo
▼ 0.25% · 3.875%
HK$139,769
−HK$3,704/mo
Today · 4.125%
HK$143,473
baseline
▲ 0.50% · 4.625%
HK$151,035
+HK$7,562/mo
Deposit HK$26.83M · loan HK$26.83M · min. income ≈ HK$286,946/mo (50% DSR)
Upfront cash ≈ HK$29.11M (deposit + AVD stamp duty HK$2,280,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,826
−HK$9,207/mo
▼ 0.25% · 3.875%
HK$151,393
−HK$4,640/mo
Today · 4.125%
HK$156,033
baseline
▲ 0.50% · 4.625%
HK$165,527
+HK$9,494/mo
Deposit HK$21.46M · loan HK$32.20M · min. income ≈ HK$312,066/mo (50% DSR)
Upfront cash ≈ HK$23.74M (deposit + AVD stamp duty HK$2,280,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,342
−HK$8,825/mo
▼ 0.25% · 3.875%
HK$167,723
−HK$4,444/mo
Today · 4.125%
HK$172,167
baseline
▲ 0.50% · 4.625%
HK$181,242
+HK$9,075/mo
Deposit HK$21.46M · loan HK$32.20M · min. income ≈ HK$344,334/mo (50% DSR)
Upfront cash ≈ HK$23.74M (deposit + AVD stamp duty HK$2,280,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,297
−HK$10,742/mo
▼ 0.25% · 3.875%
HK$176,625
−HK$5,414/mo
Today · 4.125%
HK$182,039
baseline
▲ 0.50% · 4.625%
HK$193,115
+HK$11,076/mo
Deposit HK$16.10M · loan HK$37.56M · min. income ≈ HK$364,078/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$2,280,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,566
−HK$10,296/mo
▼ 0.25% · 3.875%
HK$195,677
−HK$5,185/mo
Today · 4.125%
HK$200,862
baseline
▲ 0.50% · 4.625%
HK$211,450
+HK$10,588/mo
Deposit HK$16.10M · loan HK$37.56M · min. income ≈ HK$401,724/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$2,280,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,239
−HK$13,811/mo
▼ 0.25% · 3.875%
HK$227,090
−HK$6,960/mo
Today · 4.125%
HK$234,050
baseline
▲ 0.50% · 4.625%
HK$248,291
+HK$14,241/mo
Deposit HK$5.37M · loan HK$48.29M · min. income ≈ HK$468,100/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$2,280,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,014
−HK$13,237/mo
▼ 0.25% · 3.875%
HK$251,585
−HK$6,666/mo
Today · 4.125%
HK$258,251
baseline
▲ 0.50% · 4.625%
HK$271,864
+HK$13,613/mo
Deposit HK$5.37M · loan HK$48.29M · min. income ≈ HK$516,502/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$2,280,483 · Scale 2, in force from 26 Feb 2026)