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$121,697
−HK$7,631/mo
▼ 0.25% · 3.875%
HK$125,482
−HK$3,846/mo
Today · 4.125%
HK$129,328
baseline
▲ 0.50% · 4.625%
HK$137,198
+HK$7,870/mo
Deposit HK$26.68M · loan HK$26.68M · min. income ≈ HK$258,656/mo (50% DSR)
Upfront cash ≈ HK$28.95M (deposit + AVD stamp duty HK$2,268,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,387
−HK$7,314/mo
▼ 0.25% · 3.875%
HK$139,018
−HK$3,683/mo
Today · 4.125%
HK$142,701
baseline
▲ 0.50% · 4.625%
HK$150,223
+HK$7,522/mo
Deposit HK$26.68M · loan HK$26.68M · min. income ≈ HK$285,402/mo (50% DSR)
Upfront cash ≈ HK$28.95M (deposit + AVD stamp duty HK$2,268,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,036
−HK$9,158/mo
▼ 0.25% · 3.875%
HK$150,579
−HK$4,615/mo
Today · 4.125%
HK$155,194
baseline
▲ 0.50% · 4.625%
HK$164,637
+HK$9,443/mo
Deposit HK$21.35M · loan HK$32.02M · min. income ≈ HK$310,388/mo (50% DSR)
Upfront cash ≈ HK$23.62M (deposit + AVD stamp duty HK$2,268,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,464
−HK$8,777/mo
▼ 0.25% · 3.875%
HK$166,821
−HK$4,420/mo
Today · 4.125%
HK$171,241
baseline
▲ 0.50% · 4.625%
HK$180,268
+HK$9,027/mo
Deposit HK$21.35M · loan HK$32.02M · min. income ≈ HK$342,482/mo (50% DSR)
Upfront cash ≈ HK$23.62M (deposit + AVD stamp duty HK$2,268,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,376
−HK$10,684/mo
▼ 0.25% · 3.875%
HK$175,675
−HK$5,385/mo
Today · 4.125%
HK$181,060
baseline
▲ 0.50% · 4.625%
HK$192,077
+HK$11,017/mo
Deposit HK$16.01M · loan HK$37.36M · min. income ≈ HK$362,120/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$2,268,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,541
−HK$10,241/mo
▼ 0.25% · 3.875%
HK$194,625
−HK$5,157/mo
Today · 4.125%
HK$199,782
baseline
▲ 0.50% · 4.625%
HK$210,312
+HK$10,530/mo
Deposit HK$16.01M · loan HK$37.36M · min. income ≈ HK$399,564/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$2,268,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,055
−HK$13,736/mo
▼ 0.25% · 3.875%
HK$225,868
−HK$6,923/mo
Today · 4.125%
HK$232,791
baseline
▲ 0.50% · 4.625%
HK$246,956
+HK$14,165/mo
Deposit HK$5.34M · loan HK$48.03M · min. income ≈ HK$465,582/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$2,268,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,696
−HK$13,166/mo
▼ 0.25% · 3.875%
HK$250,232
−HK$6,630/mo
Today · 4.125%
HK$256,862
baseline
▲ 0.50% · 4.625%
HK$270,402
+HK$13,540/mo
Deposit HK$5.34M · loan HK$48.03M · min. income ≈ HK$513,724/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$2,268,219 · Scale 2, in force from 26 Feb 2026)