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$122,280
−HK$7,668/mo
▼ 0.25% · 3.875%
HK$126,083
−HK$3,865/mo
Today · 4.125%
HK$129,948
baseline
▲ 0.50% · 4.625%
HK$137,855
+HK$7,907/mo
Deposit HK$26.81M · loan HK$26.81M · min. income ≈ HK$259,896/mo (50% DSR)
Upfront cash ≈ HK$29.09M (deposit + AVD stamp duty HK$2,279,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,035
−HK$7,349/mo
▼ 0.25% · 3.875%
HK$139,683
−HK$3,701/mo
Today · 4.125%
HK$143,384
baseline
▲ 0.50% · 4.625%
HK$150,942
+HK$7,558/mo
Deposit HK$26.81M · loan HK$26.81M · min. income ≈ HK$286,768/mo (50% DSR)
Upfront cash ≈ HK$29.09M (deposit + AVD stamp duty HK$2,279,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,736
−HK$9,201/mo
▼ 0.25% · 3.875%
HK$151,300
−HK$4,637/mo
Today · 4.125%
HK$155,937
baseline
▲ 0.50% · 4.625%
HK$165,426
+HK$9,489/mo
Deposit HK$21.45M · loan HK$32.18M · min. income ≈ HK$311,874/mo (50% DSR)
Upfront cash ≈ HK$23.73M (deposit + AVD stamp duty HK$2,279,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,242
−HK$8,819/mo
▼ 0.25% · 3.875%
HK$167,620
−HK$4,441/mo
Today · 4.125%
HK$172,061
baseline
▲ 0.50% · 4.625%
HK$181,131
+HK$9,070/mo
Deposit HK$21.45M · loan HK$32.18M · min. income ≈ HK$344,122/mo (50% DSR)
Upfront cash ≈ HK$23.73M (deposit + AVD stamp duty HK$2,279,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,191
−HK$10,736/mo
▼ 0.25% · 3.875%
HK$176,516
−HK$5,411/mo
Today · 4.125%
HK$181,927
baseline
▲ 0.50% · 4.625%
HK$192,996
+HK$11,069/mo
Deposit HK$16.09M · loan HK$37.54M · min. income ≈ HK$363,854/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$2,279,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,449
−HK$10,289/mo
▼ 0.25% · 3.875%
HK$195,557
−HK$5,181/mo
Today · 4.125%
HK$200,738
baseline
▲ 0.50% · 4.625%
HK$211,319
+HK$10,581/mo
Deposit HK$16.09M · loan HK$37.54M · min. income ≈ HK$401,476/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$2,279,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,103
−HK$13,803/mo
▼ 0.25% · 3.875%
HK$226,950
−HK$6,956/mo
Today · 4.125%
HK$233,906
baseline
▲ 0.50% · 4.625%
HK$248,138
+HK$14,232/mo
Deposit HK$5.36M · loan HK$48.26M · min. income ≈ HK$467,812/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$2,279,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,863
−HK$13,229/mo
▼ 0.25% · 3.875%
HK$251,430
−HK$6,662/mo
Today · 4.125%
HK$258,092
baseline
▲ 0.50% · 4.625%
HK$271,696
+HK$13,604/mo
Deposit HK$5.36M · loan HK$48.26M · min. income ≈ HK$516,184/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$2,279,079 · Scale 2, in force from 26 Feb 2026)