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$121,747
−HK$7,634/mo
▼ 0.25% · 3.875%
HK$125,534
−HK$3,847/mo
Today · 4.125%
HK$129,381
baseline
▲ 0.50% · 4.625%
HK$137,254
+HK$7,873/mo
Deposit HK$26.70M · loan HK$26.70M · min. income ≈ HK$258,762/mo (50% DSR)
Upfront cash ≈ HK$28.96M (deposit + AVD stamp duty HK$2,269,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,442
−HK$7,318/mo
▼ 0.25% · 3.875%
HK$139,075
−HK$3,685/mo
Today · 4.125%
HK$142,760
baseline
▲ 0.50% · 4.625%
HK$150,285
+HK$7,525/mo
Deposit HK$26.70M · loan HK$26.70M · min. income ≈ HK$285,520/mo (50% DSR)
Upfront cash ≈ HK$28.96M (deposit + AVD stamp duty HK$2,269,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,096
−HK$9,162/mo
▼ 0.25% · 3.875%
HK$150,641
−HK$4,617/mo
Today · 4.125%
HK$155,258
baseline
▲ 0.50% · 4.625%
HK$164,705
+HK$9,447/mo
Deposit HK$21.36M · loan HK$32.04M · min. income ≈ HK$310,516/mo (50% DSR)
Upfront cash ≈ HK$23.63M (deposit + AVD stamp duty HK$2,269,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,530
−HK$8,782/mo
▼ 0.25% · 3.875%
HK$166,889
−HK$4,423/mo
Today · 4.125%
HK$171,312
baseline
▲ 0.50% · 4.625%
HK$180,342
+HK$9,030/mo
Deposit HK$21.36M · loan HK$32.04M · min. income ≈ HK$342,624/mo (50% DSR)
Upfront cash ≈ HK$23.63M (deposit + AVD stamp duty HK$2,269,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,445
−HK$10,689/mo
▼ 0.25% · 3.875%
HK$175,747
−HK$5,387/mo
Today · 4.125%
HK$181,134
baseline
▲ 0.50% · 4.625%
HK$192,155
+HK$11,021/mo
Deposit HK$16.02M · loan HK$37.37M · min. income ≈ HK$362,268/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$2,269,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,619
−HK$10,244/mo
▼ 0.25% · 3.875%
HK$194,704
−HK$5,159/mo
Today · 4.125%
HK$199,863
baseline
▲ 0.50% · 4.625%
HK$210,398
+HK$10,535/mo
Deposit HK$16.02M · loan HK$37.37M · min. income ≈ HK$399,726/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$2,269,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,144
−HK$13,742/mo
▼ 0.25% · 3.875%
HK$225,961
−HK$6,925/mo
Today · 4.125%
HK$232,886
baseline
▲ 0.50% · 4.625%
HK$247,057
+HK$14,171/mo
Deposit HK$5.34M · loan HK$48.05M · min. income ≈ HK$465,772/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$2,269,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,796
−HK$13,171/mo
▼ 0.25% · 3.875%
HK$250,334
−HK$6,633/mo
Today · 4.125%
HK$256,967
baseline
▲ 0.50% · 4.625%
HK$270,512
+HK$13,545/mo
Deposit HK$5.34M · loan HK$48.05M · min. income ≈ HK$513,934/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$2,269,148 · Scale 2, in force from 26 Feb 2026)