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$120,761
−HK$7,573/mo
▼ 0.25% · 3.875%
HK$124,518
−HK$3,816/mo
Today · 4.125%
HK$128,334
baseline
▲ 0.50% · 4.625%
HK$136,143
+HK$7,809/mo
Deposit HK$26.48M · loan HK$26.48M · min. income ≈ HK$256,668/mo (50% DSR)
Upfront cash ≈ HK$28.73M (deposit + AVD stamp duty HK$2,250,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,346
−HK$7,258/mo
▼ 0.25% · 3.875%
HK$137,949
−HK$3,655/mo
Today · 4.125%
HK$141,604
baseline
▲ 0.50% · 4.625%
HK$149,068
+HK$7,464/mo
Deposit HK$26.48M · loan HK$26.48M · min. income ≈ HK$283,208/mo (50% DSR)
Upfront cash ≈ HK$28.73M (deposit + AVD stamp duty HK$2,250,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,914
−HK$9,087/mo
▼ 0.25% · 3.875%
HK$149,421
−HK$4,580/mo
Today · 4.125%
HK$154,001
baseline
▲ 0.50% · 4.625%
HK$163,372
+HK$9,371/mo
Deposit HK$21.18M · loan HK$31.78M · min. income ≈ HK$308,002/mo (50% DSR)
Upfront cash ≈ HK$23.43M (deposit + AVD stamp duty HK$2,250,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,215
−HK$8,710/mo
▼ 0.25% · 3.875%
HK$165,539
−HK$4,386/mo
Today · 4.125%
HK$169,925
baseline
▲ 0.50% · 4.625%
HK$178,882
+HK$8,957/mo
Deposit HK$21.18M · loan HK$31.78M · min. income ≈ HK$339,850/mo (50% DSR)
Upfront cash ≈ HK$23.43M (deposit + AVD stamp duty HK$2,250,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,066
−HK$10,602/mo
▼ 0.25% · 3.875%
HK$174,325
−HK$5,343/mo
Today · 4.125%
HK$179,668
baseline
▲ 0.50% · 4.625%
HK$190,600
+HK$10,932/mo
Deposit HK$15.89M · loan HK$37.07M · min. income ≈ HK$359,336/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$2,250,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,084
−HK$10,162/mo
▼ 0.25% · 3.875%
HK$193,129
−HK$5,117/mo
Today · 4.125%
HK$198,246
baseline
▲ 0.50% · 4.625%
HK$208,696
+HK$10,450/mo
Deposit HK$15.89M · loan HK$37.07M · min. income ≈ HK$396,492/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$2,250,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,371
−HK$13,631/mo
▼ 0.25% · 3.875%
HK$224,132
−HK$6,870/mo
Today · 4.125%
HK$231,002
baseline
▲ 0.50% · 4.625%
HK$245,057
+HK$14,055/mo
Deposit HK$5.30M · loan HK$47.66M · min. income ≈ HK$462,004/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$2,250,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,823
−HK$13,064/mo
▼ 0.25% · 3.875%
HK$248,308
−HK$6,579/mo
Today · 4.125%
HK$254,887
baseline
▲ 0.50% · 4.625%
HK$268,323
+HK$13,436/mo
Deposit HK$5.30M · loan HK$47.66M · min. income ≈ HK$509,774/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$2,250,782 · Scale 2, in force from 26 Feb 2026)