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$121,411
−HK$7,614/mo
▼ 0.25% · 3.875%
HK$125,188
−HK$3,837/mo
Today · 4.125%
HK$129,025
baseline
▲ 0.50% · 4.625%
HK$136,875
+HK$7,850/mo
Deposit HK$26.62M · loan HK$26.62M · min. income ≈ HK$258,050/mo (50% DSR)
Upfront cash ≈ HK$28.89M (deposit + AVD stamp duty HK$2,262,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,069
−HK$7,297/mo
▼ 0.25% · 3.875%
HK$138,691
−HK$3,675/mo
Today · 4.125%
HK$142,366
baseline
▲ 0.50% · 4.625%
HK$149,870
+HK$7,504/mo
Deposit HK$26.62M · loan HK$26.62M · min. income ≈ HK$284,732/mo (50% DSR)
Upfront cash ≈ HK$28.89M (deposit + AVD stamp duty HK$2,262,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,693
−HK$9,136/mo
▼ 0.25% · 3.875%
HK$150,225
−HK$4,604/mo
Today · 4.125%
HK$154,829
baseline
▲ 0.50% · 4.625%
HK$164,251
+HK$9,422/mo
Deposit HK$21.30M · loan HK$31.95M · min. income ≈ HK$309,658/mo (50% DSR)
Upfront cash ≈ HK$23.56M (deposit + AVD stamp duty HK$2,262,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,082
−HK$8,757/mo
▼ 0.25% · 3.875%
HK$166,429
−HK$4,410/mo
Today · 4.125%
HK$170,839
baseline
▲ 0.50% · 4.625%
HK$179,844
+HK$9,005/mo
Deposit HK$21.30M · loan HK$31.95M · min. income ≈ HK$341,678/mo (50% DSR)
Upfront cash ≈ HK$23.56M (deposit + AVD stamp duty HK$2,262,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,975
−HK$10,659/mo
▼ 0.25% · 3.875%
HK$175,263
−HK$5,371/mo
Today · 4.125%
HK$180,634
baseline
▲ 0.50% · 4.625%
HK$191,626
+HK$10,992/mo
Deposit HK$15.97M · loan HK$37.27M · min. income ≈ HK$361,268/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$2,262,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,096
−HK$10,216/mo
▼ 0.25% · 3.875%
HK$194,167
−HK$5,145/mo
Today · 4.125%
HK$199,312
baseline
▲ 0.50% · 4.625%
HK$209,818
+HK$10,506/mo
Deposit HK$15.97M · loan HK$37.27M · min. income ≈ HK$398,624/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$2,262,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,540
−HK$13,704/mo
▼ 0.25% · 3.875%
HK$225,338
−HK$6,906/mo
Today · 4.125%
HK$232,244
baseline
▲ 0.50% · 4.625%
HK$246,376
+HK$14,132/mo
Deposit HK$5.32M · loan HK$47.92M · min. income ≈ HK$464,488/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$2,262,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,123
−HK$13,136/mo
▼ 0.25% · 3.875%
HK$249,644
−HK$6,615/mo
Today · 4.125%
HK$256,259
baseline
▲ 0.50% · 4.625%
HK$269,766
+HK$13,507/mo
Deposit HK$5.32M · loan HK$47.92M · min. income ≈ HK$512,518/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$2,262,890 · Scale 2, in force from 26 Feb 2026)