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$121,810
−HK$7,639/mo
▼ 0.25% · 3.875%
HK$125,599
−HK$3,850/mo
Today · 4.125%
HK$129,449
baseline
▲ 0.50% · 4.625%
HK$137,325
+HK$7,876/mo
Deposit HK$26.71M · loan HK$26.71M · min. income ≈ HK$258,898/mo (50% DSR)
Upfront cash ≈ HK$28.98M (deposit + AVD stamp duty HK$2,270,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,512
−HK$7,322/mo
▼ 0.25% · 3.875%
HK$139,147
−HK$3,687/mo
Today · 4.125%
HK$142,834
baseline
▲ 0.50% · 4.625%
HK$150,363
+HK$7,529/mo
Deposit HK$26.71M · loan HK$26.71M · min. income ≈ HK$285,668/mo (50% DSR)
Upfront cash ≈ HK$28.98M (deposit + AVD stamp duty HK$2,270,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,172
−HK$9,166/mo
▼ 0.25% · 3.875%
HK$150,719
−HK$4,619/mo
Today · 4.125%
HK$155,338
baseline
▲ 0.50% · 4.625%
HK$164,790
+HK$9,452/mo
Deposit HK$21.37M · loan HK$32.05M · min. income ≈ HK$310,676/mo (50% DSR)
Upfront cash ≈ HK$23.64M (deposit + AVD stamp duty HK$2,270,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,615
−HK$8,786/mo
▼ 0.25% · 3.875%
HK$166,976
−HK$4,425/mo
Today · 4.125%
HK$171,401
baseline
▲ 0.50% · 4.625%
HK$180,435
+HK$9,034/mo
Deposit HK$21.37M · loan HK$32.05M · min. income ≈ HK$342,802/mo (50% DSR)
Upfront cash ≈ HK$23.64M (deposit + AVD stamp duty HK$2,270,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,534
−HK$10,694/mo
▼ 0.25% · 3.875%
HK$175,839
−HK$5,389/mo
Today · 4.125%
HK$181,228
baseline
▲ 0.50% · 4.625%
HK$192,255
+HK$11,027/mo
Deposit HK$16.03M · loan HK$37.39M · min. income ≈ HK$362,456/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$2,270,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,717
−HK$10,250/mo
▼ 0.25% · 3.875%
HK$194,806
−HK$5,161/mo
Today · 4.125%
HK$199,967
baseline
▲ 0.50% · 4.625%
HK$210,508
+HK$10,541/mo
Deposit HK$16.03M · loan HK$37.39M · min. income ≈ HK$399,934/mo (50% DSR)
Upfront cash ≈ HK$18.30M (deposit + AVD stamp duty HK$2,270,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,258
−HK$13,750/mo
▼ 0.25% · 3.875%
HK$226,078
−HK$6,930/mo
Today · 4.125%
HK$233,008
baseline
▲ 0.50% · 4.625%
HK$247,185
+HK$14,177/mo
Deposit HK$5.34M · loan HK$48.08M · min. income ≈ HK$466,016/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$2,270,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,922
−HK$13,179/mo
▼ 0.25% · 3.875%
HK$250,464
−HK$6,637/mo
Today · 4.125%
HK$257,101
baseline
▲ 0.50% · 4.625%
HK$270,653
+HK$13,552/mo
Deposit HK$5.34M · loan HK$48.08M · min. income ≈ HK$514,202/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$2,270,327 · Scale 2, in force from 26 Feb 2026)