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$121,652
−HK$7,628/mo
▼ 0.25% · 3.875%
HK$125,436
−HK$3,844/mo
Today · 4.125%
HK$129,280
baseline
▲ 0.50% · 4.625%
HK$137,147
+HK$7,867/mo
Deposit HK$26.68M · loan HK$26.68M · min. income ≈ HK$258,560/mo (50% DSR)
Upfront cash ≈ HK$28.94M (deposit + AVD stamp duty HK$2,267,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,336
−HK$7,312/mo
▼ 0.25% · 3.875%
HK$138,966
−HK$3,682/mo
Today · 4.125%
HK$142,648
baseline
▲ 0.50% · 4.625%
HK$150,167
+HK$7,519/mo
Deposit HK$26.68M · loan HK$26.68M · min. income ≈ HK$285,296/mo (50% DSR)
Upfront cash ≈ HK$28.94M (deposit + AVD stamp duty HK$2,267,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,982
−HK$9,154/mo
▼ 0.25% · 3.875%
HK$150,523
−HK$4,613/mo
Today · 4.125%
HK$155,136
baseline
▲ 0.50% · 4.625%
HK$164,576
+HK$9,440/mo
Deposit HK$21.34M · loan HK$32.01M · min. income ≈ HK$310,272/mo (50% DSR)
Upfront cash ≈ HK$23.61M (deposit + AVD stamp duty HK$2,267,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,404
−HK$8,774/mo
▼ 0.25% · 3.875%
HK$166,759
−HK$4,419/mo
Today · 4.125%
HK$171,178
baseline
▲ 0.50% · 4.625%
HK$180,201
+HK$9,023/mo
Deposit HK$21.34M · loan HK$32.01M · min. income ≈ HK$342,356/mo (50% DSR)
Upfront cash ≈ HK$23.61M (deposit + AVD stamp duty HK$2,267,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,312
−HK$10,681/mo
▼ 0.25% · 3.875%
HK$175,610
−HK$5,383/mo
Today · 4.125%
HK$180,993
baseline
▲ 0.50% · 4.625%
HK$192,006
+HK$11,013/mo
Deposit HK$16.01M · loan HK$37.35M · min. income ≈ HK$361,986/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$2,267,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,471
−HK$10,236/mo
▼ 0.25% · 3.875%
HK$194,552
−HK$5,155/mo
Today · 4.125%
HK$199,707
baseline
▲ 0.50% · 4.625%
HK$210,234
+HK$10,527/mo
Deposit HK$16.01M · loan HK$37.35M · min. income ≈ HK$399,414/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$2,267,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,973
−HK$13,732/mo
▼ 0.25% · 3.875%
HK$225,784
−HK$6,921/mo
Today · 4.125%
HK$232,705
baseline
▲ 0.50% · 4.625%
HK$246,864
+HK$14,159/mo
Deposit HK$5.34M · loan HK$48.02M · min. income ≈ HK$465,410/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$2,267,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,605
−HK$13,162/mo
▼ 0.25% · 3.875%
HK$250,139
−HK$6,628/mo
Today · 4.125%
HK$256,767
baseline
▲ 0.50% · 4.625%
HK$270,301
+HK$13,534/mo
Deposit HK$5.34M · loan HK$48.02M · min. income ≈ HK$513,534/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$2,267,377 · Scale 2, in force from 26 Feb 2026)