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$122,694
−HK$7,694/mo
▼ 0.25% · 3.875%
HK$126,510
−HK$3,878/mo
Today · 4.125%
HK$130,388
baseline
▲ 0.50% · 4.625%
HK$138,321
+HK$7,933/mo
Deposit HK$26.90M · loan HK$26.90M · min. income ≈ HK$260,776/mo (50% DSR)
Upfront cash ≈ HK$29.19M (deposit + AVD stamp duty HK$2,286,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,495
−HK$7,375/mo
▼ 0.25% · 3.875%
HK$140,156
−HK$3,714/mo
Today · 4.125%
HK$143,870
baseline
▲ 0.50% · 4.625%
HK$151,453
+HK$7,583/mo
Deposit HK$26.90M · loan HK$26.90M · min. income ≈ HK$287,740/mo (50% DSR)
Upfront cash ≈ HK$29.19M (deposit + AVD stamp duty HK$2,286,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,232
−HK$9,233/mo
▼ 0.25% · 3.875%
HK$151,812
−HK$4,653/mo
Today · 4.125%
HK$156,465
baseline
▲ 0.50% · 4.625%
HK$165,986
+HK$9,521/mo
Deposit HK$21.52M · loan HK$32.28M · min. income ≈ HK$312,930/mo (50% DSR)
Upfront cash ≈ HK$23.81M (deposit + AVD stamp duty HK$2,286,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,794
−HK$8,850/mo
▼ 0.25% · 3.875%
HK$168,187
−HK$4,457/mo
Today · 4.125%
HK$172,644
baseline
▲ 0.50% · 4.625%
HK$181,744
+HK$9,100/mo
Deposit HK$21.52M · loan HK$32.28M · min. income ≈ HK$345,288/mo (50% DSR)
Upfront cash ≈ HK$23.81M (deposit + AVD stamp duty HK$2,286,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,771
−HK$10,772/mo
▼ 0.25% · 3.875%
HK$177,114
−HK$5,429/mo
Today · 4.125%
HK$182,543
baseline
▲ 0.50% · 4.625%
HK$193,650
+HK$11,107/mo
Deposit HK$16.14M · loan HK$37.66M · min. income ≈ HK$365,086/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$2,286,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,093
−HK$10,325/mo
▼ 0.25% · 3.875%
HK$196,219
−HK$5,199/mo
Today · 4.125%
HK$201,418
baseline
▲ 0.50% · 4.625%
HK$212,035
+HK$10,617/mo
Deposit HK$16.14M · loan HK$37.66M · min. income ≈ HK$402,836/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$2,286,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,848
−HK$13,850/mo
▼ 0.25% · 3.875%
HK$227,718
−HK$6,980/mo
Today · 4.125%
HK$234,698
baseline
▲ 0.50% · 4.625%
HK$248,978
+HK$14,280/mo
Deposit HK$5.38M · loan HK$48.43M · min. income ≈ HK$469,396/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$2,286,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,692
−HK$13,274/mo
▼ 0.25% · 3.875%
HK$252,281
−HK$6,685/mo
Today · 4.125%
HK$258,966
baseline
▲ 0.50% · 4.625%
HK$272,616
+HK$13,650/mo
Deposit HK$5.38M · loan HK$48.43M · min. income ≈ HK$517,932/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$2,286,794 · Scale 2, in force from 26 Feb 2026)