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$123,109
−HK$7,721/mo
▼ 0.25% · 3.875%
HK$126,939
−HK$3,891/mo
Today · 4.125%
HK$130,830
baseline
▲ 0.50% · 4.625%
HK$138,790
+HK$7,960/mo
Deposit HK$26.99M · loan HK$26.99M · min. income ≈ HK$261,660/mo (50% DSR)
Upfront cash ≈ HK$29.29M (deposit + AVD stamp duty HK$2,294,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,958
−HK$7,399/mo
▼ 0.25% · 3.875%
HK$140,631
−HK$3,726/mo
Today · 4.125%
HK$144,357
baseline
▲ 0.50% · 4.625%
HK$151,967
+HK$7,610/mo
Deposit HK$26.99M · loan HK$26.99M · min. income ≈ HK$288,714/mo (50% DSR)
Upfront cash ≈ HK$29.29M (deposit + AVD stamp duty HK$2,294,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,731
−HK$9,264/mo
▼ 0.25% · 3.875%
HK$152,327
−HK$4,668/mo
Today · 4.125%
HK$156,995
baseline
▲ 0.50% · 4.625%
HK$166,548
+HK$9,553/mo
Deposit HK$21.60M · loan HK$32.39M · min. income ≈ HK$313,990/mo (50% DSR)
Upfront cash ≈ HK$23.89M (deposit + AVD stamp duty HK$2,294,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,350
−HK$8,879/mo
▼ 0.25% · 3.875%
HK$168,757
−HK$4,472/mo
Today · 4.125%
HK$173,229
baseline
▲ 0.50% · 4.625%
HK$182,360
+HK$9,131/mo
Deposit HK$21.60M · loan HK$32.39M · min. income ≈ HK$346,458/mo (50% DSR)
Upfront cash ≈ HK$23.89M (deposit + AVD stamp duty HK$2,294,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,353
−HK$10,808/mo
▼ 0.25% · 3.875%
HK$177,714
−HK$5,447/mo
Today · 4.125%
HK$183,161
baseline
▲ 0.50% · 4.625%
HK$194,306
+HK$11,145/mo
Deposit HK$16.20M · loan HK$37.79M · min. income ≈ HK$366,322/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$2,294,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,741
−HK$10,359/mo
▼ 0.25% · 3.875%
HK$196,884
−HK$5,216/mo
Today · 4.125%
HK$202,100
baseline
▲ 0.50% · 4.625%
HK$212,753
+HK$10,653/mo
Deposit HK$16.20M · loan HK$37.79M · min. income ≈ HK$404,200/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$2,294,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,597
−HK$13,896/mo
▼ 0.25% · 3.875%
HK$228,490
−HK$7,003/mo
Today · 4.125%
HK$235,493
baseline
▲ 0.50% · 4.625%
HK$249,822
+HK$14,329/mo
Deposit HK$5.40M · loan HK$48.59M · min. income ≈ HK$470,986/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$2,294,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,524
−HK$13,319/mo
▼ 0.25% · 3.875%
HK$253,136
−HK$6,707/mo
Today · 4.125%
HK$259,843
baseline
▲ 0.50% · 4.625%
HK$273,540
+HK$13,697/mo
Deposit HK$5.40M · loan HK$48.59M · min. income ≈ HK$519,686/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$2,294,546 · Scale 2, in force from 26 Feb 2026)