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$120,997
−HK$7,587/mo
▼ 0.25% · 3.875%
HK$124,761
−HK$3,823/mo
Today · 4.125%
HK$128,584
baseline
▲ 0.50% · 4.625%
HK$136,408
+HK$7,824/mo
Deposit HK$26.53M · loan HK$26.53M · min. income ≈ HK$257,168/mo (50% DSR)
Upfront cash ≈ HK$28.79M (deposit + AVD stamp duty HK$2,255,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,608
−HK$7,272/mo
▼ 0.25% · 3.875%
HK$138,218
−HK$3,662/mo
Today · 4.125%
HK$141,880
baseline
▲ 0.50% · 4.625%
HK$149,359
+HK$7,479/mo
Deposit HK$26.53M · loan HK$26.53M · min. income ≈ HK$283,760/mo (50% DSR)
Upfront cash ≈ HK$28.79M (deposit + AVD stamp duty HK$2,255,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,196
−HK$9,105/mo
▼ 0.25% · 3.875%
HK$149,713
−HK$4,588/mo
Today · 4.125%
HK$154,301
baseline
▲ 0.50% · 4.625%
HK$163,690
+HK$9,389/mo
Deposit HK$21.23M · loan HK$31.84M · min. income ≈ HK$308,602/mo (50% DSR)
Upfront cash ≈ HK$23.48M (deposit + AVD stamp duty HK$2,255,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,529
−HK$8,727/mo
▼ 0.25% · 3.875%
HK$165,861
−HK$4,395/mo
Today · 4.125%
HK$170,256
baseline
▲ 0.50% · 4.625%
HK$179,231
+HK$8,975/mo
Deposit HK$21.23M · loan HK$31.84M · min. income ≈ HK$340,512/mo (50% DSR)
Upfront cash ≈ HK$23.48M (deposit + AVD stamp duty HK$2,255,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,396
−HK$10,622/mo
▼ 0.25% · 3.875%
HK$174,665
−HK$5,353/mo
Today · 4.125%
HK$180,018
baseline
▲ 0.50% · 4.625%
HK$190,972
+HK$10,954/mo
Deposit HK$15.92M · loan HK$37.14M · min. income ≈ HK$360,036/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$2,255,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,451
−HK$10,181/mo
▼ 0.25% · 3.875%
HK$193,505
−HK$5,127/mo
Today · 4.125%
HK$198,632
baseline
▲ 0.50% · 4.625%
HK$209,102
+HK$10,470/mo
Deposit HK$15.92M · loan HK$37.14M · min. income ≈ HK$397,264/mo (50% DSR)
Upfront cash ≈ HK$18.17M (deposit + AVD stamp duty HK$2,255,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,794
−HK$13,658/mo
▼ 0.25% · 3.875%
HK$224,569
−HK$6,883/mo
Today · 4.125%
HK$231,452
baseline
▲ 0.50% · 4.625%
HK$245,535
+HK$14,083/mo
Deposit HK$5.31M · loan HK$47.76M · min. income ≈ HK$462,904/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$2,255,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,294
−HK$13,090/mo
▼ 0.25% · 3.875%
HK$248,792
−HK$6,592/mo
Today · 4.125%
HK$255,384
baseline
▲ 0.50% · 4.625%
HK$268,846
+HK$13,462/mo
Deposit HK$5.31M · loan HK$47.76M · min. income ≈ HK$510,768/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$2,255,170 · Scale 2, in force from 26 Feb 2026)