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$120,745
−HK$7,572/mo
▼ 0.25% · 3.875%
HK$124,501
−HK$3,816/mo
Today · 4.125%
HK$128,317
baseline
▲ 0.50% · 4.625%
HK$136,125
+HK$7,808/mo
Deposit HK$26.48M · loan HK$26.48M · min. income ≈ HK$256,634/mo (50% DSR)
Upfront cash ≈ HK$28.73M (deposit + AVD stamp duty HK$2,250,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,328
−HK$7,257/mo
▼ 0.25% · 3.875%
HK$137,931
−HK$3,654/mo
Today · 4.125%
HK$141,585
baseline
▲ 0.50% · 4.625%
HK$149,049
+HK$7,464/mo
Deposit HK$26.48M · loan HK$26.48M · min. income ≈ HK$283,170/mo (50% DSR)
Upfront cash ≈ HK$28.73M (deposit + AVD stamp duty HK$2,250,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,895
−HK$9,086/mo
▼ 0.25% · 3.875%
HK$149,402
−HK$4,579/mo
Today · 4.125%
HK$153,981
baseline
▲ 0.50% · 4.625%
HK$163,350
+HK$9,369/mo
Deposit HK$21.18M · loan HK$31.77M · min. income ≈ HK$307,962/mo (50% DSR)
Upfront cash ≈ HK$23.43M (deposit + AVD stamp duty HK$2,250,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,194
−HK$8,709/mo
▼ 0.25% · 3.875%
HK$165,517
−HK$4,386/mo
Today · 4.125%
HK$169,903
baseline
▲ 0.50% · 4.625%
HK$178,858
+HK$8,955/mo
Deposit HK$21.18M · loan HK$31.77M · min. income ≈ HK$339,806/mo (50% DSR)
Upfront cash ≈ HK$23.43M (deposit + AVD stamp duty HK$2,250,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,044
−HK$10,600/mo
▼ 0.25% · 3.875%
HK$174,302
−HK$5,342/mo
Today · 4.125%
HK$179,644
baseline
▲ 0.50% · 4.625%
HK$190,575
+HK$10,931/mo
Deposit HK$15.89M · loan HK$37.07M · min. income ≈ HK$359,288/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$2,250,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,059
−HK$10,161/mo
▼ 0.25% · 3.875%
HK$193,103
−HK$5,117/mo
Today · 4.125%
HK$198,220
baseline
▲ 0.50% · 4.625%
HK$208,668
+HK$10,448/mo
Deposit HK$15.89M · loan HK$37.07M · min. income ≈ HK$396,440/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$2,250,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,342
−HK$13,629/mo
▼ 0.25% · 3.875%
HK$224,102
−HK$6,869/mo
Today · 4.125%
HK$230,971
baseline
▲ 0.50% · 4.625%
HK$245,025
+HK$14,054/mo
Deposit HK$5.30M · loan HK$47.66M · min. income ≈ HK$461,942/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$2,250,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,791
−HK$13,063/mo
▼ 0.25% · 3.875%
HK$248,275
−HK$6,579/mo
Today · 4.125%
HK$254,854
baseline
▲ 0.50% · 4.625%
HK$268,287
+HK$13,433/mo
Deposit HK$5.30M · loan HK$47.66M · min. income ≈ HK$509,708/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$2,250,485 · Scale 2, in force from 26 Feb 2026)