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$121,832
−HK$7,640/mo
▼ 0.25% · 3.875%
HK$125,621
−HK$3,851/mo
Today · 4.125%
HK$129,472
baseline
▲ 0.50% · 4.625%
HK$137,350
+HK$7,878/mo
Deposit HK$26.71M · loan HK$26.71M · min. income ≈ HK$258,944/mo (50% DSR)
Upfront cash ≈ HK$28.99M (deposit + AVD stamp duty HK$2,270,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,537
−HK$7,322/mo
▼ 0.25% · 3.875%
HK$139,172
−HK$3,687/mo
Today · 4.125%
HK$142,859
baseline
▲ 0.50% · 4.625%
HK$150,390
+HK$7,531/mo
Deposit HK$26.71M · loan HK$26.71M · min. income ≈ HK$285,718/mo (50% DSR)
Upfront cash ≈ HK$28.99M (deposit + AVD stamp duty HK$2,270,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,198
−HK$9,168/mo
▼ 0.25% · 3.875%
HK$150,746
−HK$4,620/mo
Today · 4.125%
HK$155,366
baseline
▲ 0.50% · 4.625%
HK$164,820
+HK$9,454/mo
Deposit HK$21.37M · loan HK$32.06M · min. income ≈ HK$310,732/mo (50% DSR)
Upfront cash ≈ HK$23.64M (deposit + AVD stamp duty HK$2,270,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,644
−HK$8,787/mo
▼ 0.25% · 3.875%
HK$167,006
−HK$4,425/mo
Today · 4.125%
HK$171,431
baseline
▲ 0.50% · 4.625%
HK$180,467
+HK$9,036/mo
Deposit HK$21.37M · loan HK$32.06M · min. income ≈ HK$342,862/mo (50% DSR)
Upfront cash ≈ HK$23.64M (deposit + AVD stamp duty HK$2,270,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,564
−HK$10,696/mo
▼ 0.25% · 3.875%
HK$175,870
−HK$5,390/mo
Today · 4.125%
HK$181,260
baseline
▲ 0.50% · 4.625%
HK$192,290
+HK$11,030/mo
Deposit HK$16.03M · loan HK$37.40M · min. income ≈ HK$362,520/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$2,270,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,751
−HK$10,252/mo
▼ 0.25% · 3.875%
HK$194,840
−HK$5,163/mo
Today · 4.125%
HK$200,003
baseline
▲ 0.50% · 4.625%
HK$210,545
+HK$10,542/mo
Deposit HK$16.03M · loan HK$37.40M · min. income ≈ HK$400,006/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$2,270,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,297
−HK$13,752/mo
▼ 0.25% · 3.875%
HK$226,119
−HK$6,930/mo
Today · 4.125%
HK$233,049
baseline
▲ 0.50% · 4.625%
HK$247,229
+HK$14,180/mo
Deposit HK$5.34M · loan HK$48.09M · min. income ≈ HK$466,098/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$2,270,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,966
−HK$13,181/mo
▼ 0.25% · 3.875%
HK$250,509
−HK$6,638/mo
Today · 4.125%
HK$257,147
baseline
▲ 0.50% · 4.625%
HK$270,701
+HK$13,554/mo
Deposit HK$5.34M · loan HK$48.09M · min. income ≈ HK$514,294/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$2,270,731 · Scale 2, in force from 26 Feb 2026)