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$121,636
−HK$7,627/mo
▼ 0.25% · 3.875%
HK$125,419
−HK$3,844/mo
Today · 4.125%
HK$129,263
baseline
▲ 0.50% · 4.625%
HK$137,129
+HK$7,866/mo
Deposit HK$26.67M · loan HK$26.67M · min. income ≈ HK$258,526/mo (50% DSR)
Upfront cash ≈ HK$28.94M (deposit + AVD stamp duty HK$2,267,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,318
−HK$7,311/mo
▼ 0.25% · 3.875%
HK$138,948
−HK$3,681/mo
Today · 4.125%
HK$142,629
baseline
▲ 0.50% · 4.625%
HK$150,147
+HK$7,518/mo
Deposit HK$26.67M · loan HK$26.67M · min. income ≈ HK$285,258/mo (50% DSR)
Upfront cash ≈ HK$28.94M (deposit + AVD stamp duty HK$2,267,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,963
−HK$9,153/mo
▼ 0.25% · 3.875%
HK$150,503
−HK$4,613/mo
Today · 4.125%
HK$155,116
baseline
▲ 0.50% · 4.625%
HK$164,554
+HK$9,438/mo
Deposit HK$21.34M · loan HK$32.01M · min. income ≈ HK$310,232/mo (50% DSR)
Upfront cash ≈ HK$23.60M (deposit + AVD stamp duty HK$2,267,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,382
−HK$8,773/mo
▼ 0.25% · 3.875%
HK$166,737
−HK$4,418/mo
Today · 4.125%
HK$171,155
baseline
▲ 0.50% · 4.625%
HK$180,177
+HK$9,022/mo
Deposit HK$21.34M · loan HK$32.01M · min. income ≈ HK$342,310/mo (50% DSR)
Upfront cash ≈ HK$23.60M (deposit + AVD stamp duty HK$2,267,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,290
−HK$10,679/mo
▼ 0.25% · 3.875%
HK$175,587
−HK$5,382/mo
Today · 4.125%
HK$180,969
baseline
▲ 0.50% · 4.625%
HK$191,980
+HK$11,011/mo
Deposit HK$16.00M · loan HK$37.34M · min. income ≈ HK$361,938/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$2,267,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,446
−HK$10,235/mo
▼ 0.25% · 3.875%
HK$194,527
−HK$5,154/mo
Today · 4.125%
HK$199,681
baseline
▲ 0.50% · 4.625%
HK$210,206
+HK$10,525/mo
Deposit HK$16.00M · loan HK$37.34M · min. income ≈ HK$399,362/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$2,267,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,944
−HK$13,730/mo
▼ 0.25% · 3.875%
HK$225,755
−HK$6,919/mo
Today · 4.125%
HK$232,674
baseline
▲ 0.50% · 4.625%
HK$246,831
+HK$14,157/mo
Deposit HK$5.33M · loan HK$48.01M · min. income ≈ HK$465,348/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$2,267,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,573
−HK$13,160/mo
▼ 0.25% · 3.875%
HK$250,106
−HK$6,627/mo
Today · 4.125%
HK$256,733
baseline
▲ 0.50% · 4.625%
HK$270,265
+HK$13,532/mo
Deposit HK$5.33M · loan HK$48.01M · min. income ≈ HK$513,466/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$2,267,076 · Scale 2, in force from 26 Feb 2026)