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$121,187
−HK$7,599/mo
▼ 0.25% · 3.875%
HK$124,956
−HK$3,830/mo
Today · 4.125%
HK$128,786
baseline
▲ 0.50% · 4.625%
HK$136,622
+HK$7,836/mo
Deposit HK$26.57M · loan HK$26.57M · min. income ≈ HK$257,572/mo (50% DSR)
Upfront cash ≈ HK$28.83M (deposit + AVD stamp duty HK$2,258,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,819
−HK$7,284/mo
▼ 0.25% · 3.875%
HK$138,435
−HK$3,668/mo
Today · 4.125%
HK$142,103
baseline
▲ 0.50% · 4.625%
HK$149,593
+HK$7,490/mo
Deposit HK$26.57M · loan HK$26.57M · min. income ≈ HK$284,206/mo (50% DSR)
Upfront cash ≈ HK$28.83M (deposit + AVD stamp duty HK$2,258,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,424
−HK$9,119/mo
▼ 0.25% · 3.875%
HK$149,947
−HK$4,596/mo
Today · 4.125%
HK$154,543
baseline
▲ 0.50% · 4.625%
HK$163,947
+HK$9,404/mo
Deposit HK$21.26M · loan HK$31.89M · min. income ≈ HK$309,086/mo (50% DSR)
Upfront cash ≈ HK$23.52M (deposit + AVD stamp duty HK$2,258,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,783
−HK$8,740/mo
▼ 0.25% · 3.875%
HK$166,122
−HK$4,401/mo
Today · 4.125%
HK$170,523
baseline
▲ 0.50% · 4.625%
HK$179,512
+HK$8,989/mo
Deposit HK$21.26M · loan HK$31.89M · min. income ≈ HK$341,046/mo (50% DSR)
Upfront cash ≈ HK$23.52M (deposit + AVD stamp duty HK$2,258,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,661
−HK$10,639/mo
▼ 0.25% · 3.875%
HK$174,939
−HK$5,361/mo
Today · 4.125%
HK$180,300
baseline
▲ 0.50% · 4.625%
HK$191,271
+HK$10,971/mo
Deposit HK$15.94M · loan HK$37.20M · min. income ≈ HK$360,600/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$2,258,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,746
−HK$10,198/mo
▼ 0.25% · 3.875%
HK$193,808
−HK$5,136/mo
Today · 4.125%
HK$198,944
baseline
▲ 0.50% · 4.625%
HK$209,430
+HK$10,486/mo
Deposit HK$15.94M · loan HK$37.20M · min. income ≈ HK$397,888/mo (50% DSR)
Upfront cash ≈ HK$18.20M (deposit + AVD stamp duty HK$2,258,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,136
−HK$13,679/mo
▼ 0.25% · 3.875%
HK$224,921
−HK$6,894/mo
Today · 4.125%
HK$231,815
baseline
▲ 0.50% · 4.625%
HK$245,920
+HK$14,105/mo
Deposit HK$5.31M · loan HK$47.83M · min. income ≈ HK$463,630/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$2,258,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,674
−HK$13,111/mo
▼ 0.25% · 3.875%
HK$249,182
−HK$6,603/mo
Today · 4.125%
HK$255,785
baseline
▲ 0.50% · 4.625%
HK$269,268
+HK$13,483/mo
Deposit HK$5.31M · loan HK$47.83M · min. income ≈ HK$511,570/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$2,258,706 · Scale 2, in force from 26 Feb 2026)