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$122,262
−HK$7,667/mo
▼ 0.25% · 3.875%
HK$126,065
−HK$3,864/mo
Today · 4.125%
HK$129,929
baseline
▲ 0.50% · 4.625%
HK$137,835
+HK$7,906/mo
Deposit HK$26.81M · loan HK$26.81M · min. income ≈ HK$259,858/mo (50% DSR)
Upfront cash ≈ HK$29.09M (deposit + AVD stamp duty HK$2,278,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,015
−HK$7,349/mo
▼ 0.25% · 3.875%
HK$139,663
−HK$3,701/mo
Today · 4.125%
HK$143,364
baseline
▲ 0.50% · 4.625%
HK$150,920
+HK$7,556/mo
Deposit HK$26.81M · loan HK$26.81M · min. income ≈ HK$286,728/mo (50% DSR)
Upfront cash ≈ HK$29.09M (deposit + AVD stamp duty HK$2,278,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,714
−HK$9,200/mo
▼ 0.25% · 3.875%
HK$151,278
−HK$4,636/mo
Today · 4.125%
HK$155,914
baseline
▲ 0.50% · 4.625%
HK$165,401
+HK$9,487/mo
Deposit HK$21.45M · loan HK$32.17M · min. income ≈ HK$311,828/mo (50% DSR)
Upfront cash ≈ HK$23.73M (deposit + AVD stamp duty HK$2,278,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,218
−HK$8,818/mo
▼ 0.25% · 3.875%
HK$167,595
−HK$4,441/mo
Today · 4.125%
HK$172,036
baseline
▲ 0.50% · 4.625%
HK$181,104
+HK$9,068/mo
Deposit HK$21.45M · loan HK$32.17M · min. income ≈ HK$344,072/mo (50% DSR)
Upfront cash ≈ HK$23.73M (deposit + AVD stamp duty HK$2,278,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,167
−HK$10,733/mo
▼ 0.25% · 3.875%
HK$176,491
−HK$5,409/mo
Today · 4.125%
HK$181,900
baseline
▲ 0.50% · 4.625%
HK$192,968
+HK$11,068/mo
Deposit HK$16.09M · loan HK$37.53M · min. income ≈ HK$363,800/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$2,278,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,421
−HK$10,288/mo
▼ 0.25% · 3.875%
HK$195,528
−HK$5,181/mo
Today · 4.125%
HK$200,709
baseline
▲ 0.50% · 4.625%
HK$211,289
+HK$10,580/mo
Deposit HK$16.09M · loan HK$37.53M · min. income ≈ HK$401,418/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$2,278,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,071
−HK$13,801/mo
▼ 0.25% · 3.875%
HK$226,917
−HK$6,955/mo
Today · 4.125%
HK$233,872
baseline
▲ 0.50% · 4.625%
HK$248,102
+HK$14,230/mo
Deposit HK$5.36M · loan HK$48.26M · min. income ≈ HK$467,744/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$2,278,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,827
−HK$13,227/mo
▼ 0.25% · 3.875%
HK$251,393
−HK$6,661/mo
Today · 4.125%
HK$258,054
baseline
▲ 0.50% · 4.625%
HK$271,657
+HK$13,603/mo
Deposit HK$5.36M · loan HK$48.26M · min. income ≈ HK$516,108/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$2,278,747 · Scale 2, in force from 26 Feb 2026)