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$121,901
−HK$7,644/mo
▼ 0.25% · 3.875%
HK$125,692
−HK$3,853/mo
Today · 4.125%
HK$129,545
baseline
▲ 0.50% · 4.625%
HK$137,427
+HK$7,882/mo
Deposit HK$26.73M · loan HK$26.73M · min. income ≈ HK$259,090/mo (50% DSR)
Upfront cash ≈ HK$29.00M (deposit + AVD stamp duty HK$2,272,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,613
−HK$7,327/mo
▼ 0.25% · 3.875%
HK$139,250
−HK$3,690/mo
Today · 4.125%
HK$142,940
baseline
▲ 0.50% · 4.625%
HK$150,475
+HK$7,535/mo
Deposit HK$26.73M · loan HK$26.73M · min. income ≈ HK$285,880/mo (50% DSR)
Upfront cash ≈ HK$29.00M (deposit + AVD stamp duty HK$2,272,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,281
−HK$9,173/mo
▼ 0.25% · 3.875%
HK$150,831
−HK$4,623/mo
Today · 4.125%
HK$155,454
baseline
▲ 0.50% · 4.625%
HK$164,913
+HK$9,459/mo
Deposit HK$21.38M · loan HK$32.08M · min. income ≈ HK$310,908/mo (50% DSR)
Upfront cash ≈ HK$23.66M (deposit + AVD stamp duty HK$2,272,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,736
−HK$8,792/mo
▼ 0.25% · 3.875%
HK$167,100
−HK$4,428/mo
Today · 4.125%
HK$171,528
baseline
▲ 0.50% · 4.625%
HK$180,569
+HK$9,041/mo
Deposit HK$21.38M · loan HK$32.08M · min. income ≈ HK$343,056/mo (50% DSR)
Upfront cash ≈ HK$23.66M (deposit + AVD stamp duty HK$2,272,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,661
−HK$10,702/mo
▼ 0.25% · 3.875%
HK$175,969
−HK$5,394/mo
Today · 4.125%
HK$181,363
baseline
▲ 0.50% · 4.625%
HK$192,398
+HK$11,035/mo
Deposit HK$16.04M · loan HK$37.42M · min. income ≈ HK$362,726/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$2,272,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,859
−HK$10,257/mo
▼ 0.25% · 3.875%
HK$194,950
−HK$5,166/mo
Today · 4.125%
HK$200,116
baseline
▲ 0.50% · 4.625%
HK$210,664
+HK$10,548/mo
Deposit HK$16.04M · loan HK$37.42M · min. income ≈ HK$400,232/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$2,272,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,421
−HK$13,760/mo
▼ 0.25% · 3.875%
HK$226,246
−HK$6,935/mo
Today · 4.125%
HK$233,181
baseline
▲ 0.50% · 4.625%
HK$247,369
+HK$14,188/mo
Deposit HK$5.35M · loan HK$48.11M · min. income ≈ HK$466,362/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$2,272,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,104
−HK$13,188/mo
▼ 0.25% · 3.875%
HK$250,651
−HK$6,641/mo
Today · 4.125%
HK$257,292
baseline
▲ 0.50% · 4.625%
HK$270,854
+HK$13,562/mo
Deposit HK$5.35M · loan HK$48.11M · min. income ≈ HK$514,584/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$2,272,015 · Scale 2, in force from 26 Feb 2026)