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$122,592
−HK$7,688/mo
▼ 0.25% · 3.875%
HK$126,405
−HK$3,875/mo
Today · 4.125%
HK$130,280
baseline
▲ 0.50% · 4.625%
HK$138,207
+HK$7,927/mo
Deposit HK$26.88M · loan HK$26.88M · min. income ≈ HK$260,560/mo (50% DSR)
Upfront cash ≈ HK$29.17M (deposit + AVD stamp duty HK$2,284,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,382
−HK$7,369/mo
▼ 0.25% · 3.875%
HK$140,040
−HK$3,711/mo
Today · 4.125%
HK$143,751
baseline
▲ 0.50% · 4.625%
HK$151,328
+HK$7,577/mo
Deposit HK$26.88M · loan HK$26.88M · min. income ≈ HK$287,502/mo (50% DSR)
Upfront cash ≈ HK$29.17M (deposit + AVD stamp duty HK$2,284,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,110
−HK$9,225/mo
▼ 0.25% · 3.875%
HK$151,686
−HK$4,649/mo
Today · 4.125%
HK$156,335
baseline
▲ 0.50% · 4.625%
HK$165,848
+HK$9,513/mo
Deposit HK$21.50M · loan HK$32.26M · min. income ≈ HK$312,670/mo (50% DSR)
Upfront cash ≈ HK$23.79M (deposit + AVD stamp duty HK$2,284,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,659
−HK$8,842/mo
▼ 0.25% · 3.875%
HK$168,048
−HK$4,453/mo
Today · 4.125%
HK$172,501
baseline
▲ 0.50% · 4.625%
HK$181,594
+HK$9,093/mo
Deposit HK$21.50M · loan HK$32.26M · min. income ≈ HK$345,002/mo (50% DSR)
Upfront cash ≈ HK$23.79M (deposit + AVD stamp duty HK$2,284,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,629
−HK$10,762/mo
▼ 0.25% · 3.875%
HK$176,967
−HK$5,424/mo
Today · 4.125%
HK$182,391
baseline
▲ 0.50% · 4.625%
HK$193,489
+HK$11,098/mo
Deposit HK$16.13M · loan HK$37.63M · min. income ≈ HK$364,782/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$2,284,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,935
−HK$10,316/mo
▼ 0.25% · 3.875%
HK$196,056
−HK$5,195/mo
Today · 4.125%
HK$201,251
baseline
▲ 0.50% · 4.625%
HK$211,859
+HK$10,608/mo
Deposit HK$16.13M · loan HK$37.63M · min. income ≈ HK$402,502/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$2,284,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,666
−HK$13,837/mo
▼ 0.25% · 3.875%
HK$227,530
−HK$6,973/mo
Today · 4.125%
HK$234,503
baseline
▲ 0.50% · 4.625%
HK$248,772
+HK$14,269/mo
Deposit HK$5.38M · loan HK$48.39M · min. income ≈ HK$469,006/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$2,284,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,488
−HK$13,263/mo
▼ 0.25% · 3.875%
HK$252,072
−HK$6,679/mo
Today · 4.125%
HK$258,751
baseline
▲ 0.50% · 4.625%
HK$272,390
+HK$13,639/mo
Deposit HK$5.38M · loan HK$48.39M · min. income ≈ HK$517,502/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$2,284,901 · Scale 2, in force from 26 Feb 2026)