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$123,765
−HK$7,761/mo
▼ 0.25% · 3.875%
HK$127,614
−HK$3,912/mo
Today · 4.125%
HK$131,526
baseline
▲ 0.50% · 4.625%
HK$139,529
+HK$8,003/mo
Deposit HK$27.14M · loan HK$27.14M · min. income ≈ HK$263,052/mo (50% DSR)
Upfront cash ≈ HK$29.45M (deposit + AVD stamp duty HK$2,306,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,687
−HK$7,439/mo
▼ 0.25% · 3.875%
HK$141,379
−HK$3,747/mo
Today · 4.125%
HK$145,126
baseline
▲ 0.50% · 4.625%
HK$152,775
+HK$7,649/mo
Deposit HK$27.14M · loan HK$27.14M · min. income ≈ HK$290,252/mo (50% DSR)
Upfront cash ≈ HK$29.45M (deposit + AVD stamp duty HK$2,306,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,517
−HK$9,314/mo
▼ 0.25% · 3.875%
HK$153,137
−HK$4,694/mo
Today · 4.125%
HK$157,831
baseline
▲ 0.50% · 4.625%
HK$167,434
+HK$9,603/mo
Deposit HK$21.71M · loan HK$32.57M · min. income ≈ HK$315,662/mo (50% DSR)
Upfront cash ≈ HK$24.02M (deposit + AVD stamp duty HK$2,306,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,224
−HK$8,927/mo
▼ 0.25% · 3.875%
HK$169,655
−HK$4,496/mo
Today · 4.125%
HK$174,151
baseline
▲ 0.50% · 4.625%
HK$183,330
+HK$9,179/mo
Deposit HK$21.71M · loan HK$32.57M · min. income ≈ HK$348,302/mo (50% DSR)
Upfront cash ≈ HK$24.02M (deposit + AVD stamp duty HK$2,306,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,270
−HK$10,866/mo
▼ 0.25% · 3.875%
HK$178,660
−HK$5,476/mo
Today · 4.125%
HK$184,136
baseline
▲ 0.50% · 4.625%
HK$195,340
+HK$11,204/mo
Deposit HK$16.28M · loan HK$37.99M · min. income ≈ HK$368,272/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$2,306,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,762
−HK$10,414/mo
▼ 0.25% · 3.875%
HK$197,931
−HK$5,245/mo
Today · 4.125%
HK$203,176
baseline
▲ 0.50% · 4.625%
HK$213,885
+HK$10,709/mo
Deposit HK$16.28M · loan HK$37.99M · min. income ≈ HK$406,352/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$2,306,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,776
−HK$13,970/mo
▼ 0.25% · 3.875%
HK$229,706
−HK$7,040/mo
Today · 4.125%
HK$236,746
baseline
▲ 0.50% · 4.625%
HK$251,152
+HK$14,406/mo
Deposit HK$5.43M · loan HK$48.85M · min. income ≈ HK$473,492/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$2,306,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,836
−HK$13,390/mo
▼ 0.25% · 3.875%
HK$254,483
−HK$6,743/mo
Today · 4.125%
HK$261,226
baseline
▲ 0.50% · 4.625%
HK$274,996
+HK$13,770/mo
Deposit HK$5.43M · loan HK$48.85M · min. income ≈ HK$522,452/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$2,306,755 · Scale 2, in force from 26 Feb 2026)