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$121,421
−HK$7,614/mo
▼ 0.25% · 3.875%
HK$125,198
−HK$3,837/mo
Today · 4.125%
HK$129,035
baseline
▲ 0.50% · 4.625%
HK$136,887
+HK$7,852/mo
Deposit HK$26.62M · loan HK$26.62M · min. income ≈ HK$258,070/mo (50% DSR)
Upfront cash ≈ HK$28.89M (deposit + AVD stamp duty HK$2,263,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,080
−HK$7,298/mo
▼ 0.25% · 3.875%
HK$138,703
−HK$3,675/mo
Today · 4.125%
HK$142,378
baseline
▲ 0.50% · 4.625%
HK$149,883
+HK$7,505/mo
Deposit HK$26.62M · loan HK$26.62M · min. income ≈ HK$284,756/mo (50% DSR)
Upfront cash ≈ HK$28.89M (deposit + AVD stamp duty HK$2,263,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,705
−HK$9,137/mo
▼ 0.25% · 3.875%
HK$150,238
−HK$4,604/mo
Today · 4.125%
HK$154,842
baseline
▲ 0.50% · 4.625%
HK$164,264
+HK$9,422/mo
Deposit HK$21.30M · loan HK$31.95M · min. income ≈ HK$309,684/mo (50% DSR)
Upfront cash ≈ HK$23.56M (deposit + AVD stamp duty HK$2,263,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,096
−HK$8,757/mo
▼ 0.25% · 3.875%
HK$166,443
−HK$4,410/mo
Today · 4.125%
HK$170,853
baseline
▲ 0.50% · 4.625%
HK$179,859
+HK$9,006/mo
Deposit HK$21.30M · loan HK$31.95M · min. income ≈ HK$341,706/mo (50% DSR)
Upfront cash ≈ HK$23.56M (deposit + AVD stamp duty HK$2,263,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,990
−HK$10,659/mo
▼ 0.25% · 3.875%
HK$175,277
−HK$5,372/mo
Today · 4.125%
HK$180,649
baseline
▲ 0.50% · 4.625%
HK$191,642
+HK$10,993/mo
Deposit HK$15.97M · loan HK$37.27M · min. income ≈ HK$361,298/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$2,263,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,112
−HK$10,217/mo
▼ 0.25% · 3.875%
HK$194,184
−HK$5,145/mo
Today · 4.125%
HK$199,329
baseline
▲ 0.50% · 4.625%
HK$209,836
+HK$10,507/mo
Deposit HK$15.97M · loan HK$37.27M · min. income ≈ HK$398,658/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$2,263,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,558
−HK$13,706/mo
▼ 0.25% · 3.875%
HK$225,356
−HK$6,908/mo
Today · 4.125%
HK$232,264
baseline
▲ 0.50% · 4.625%
HK$246,396
+HK$14,132/mo
Deposit HK$5.32M · loan HK$47.92M · min. income ≈ HK$464,528/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$2,263,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,144
−HK$13,136/mo
▼ 0.25% · 3.875%
HK$249,665
−HK$6,615/mo
Today · 4.125%
HK$256,280
baseline
▲ 0.50% · 4.625%
HK$269,789
+HK$13,509/mo
Deposit HK$5.32M · loan HK$47.92M · min. income ≈ HK$512,560/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$2,263,079 · Scale 2, in force from 26 Feb 2026)