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$121,286
−HK$7,605/mo
▼ 0.25% · 3.875%
HK$125,058
−HK$3,833/mo
Today · 4.125%
HK$128,891
baseline
▲ 0.50% · 4.625%
HK$136,734
+HK$7,843/mo
Deposit HK$26.59M · loan HK$26.59M · min. income ≈ HK$257,782/mo (50% DSR)
Upfront cash ≈ HK$28.86M (deposit + AVD stamp duty HK$2,260,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,929
−HK$7,290/mo
▼ 0.25% · 3.875%
HK$138,548
−HK$3,671/mo
Today · 4.125%
HK$142,219
baseline
▲ 0.50% · 4.625%
HK$149,715
+HK$7,496/mo
Deposit HK$26.59M · loan HK$26.59M · min. income ≈ HK$284,438/mo (50% DSR)
Upfront cash ≈ HK$28.86M (deposit + AVD stamp duty HK$2,260,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,543
−HK$9,127/mo
▼ 0.25% · 3.875%
HK$150,070
−HK$4,600/mo
Today · 4.125%
HK$154,670
baseline
▲ 0.50% · 4.625%
HK$164,081
+HK$9,411/mo
Deposit HK$21.28M · loan HK$31.91M · min. income ≈ HK$309,340/mo (50% DSR)
Upfront cash ≈ HK$23.54M (deposit + AVD stamp duty HK$2,260,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,915
−HK$8,748/mo
▼ 0.25% · 3.875%
HK$166,257
−HK$4,406/mo
Today · 4.125%
HK$170,663
baseline
▲ 0.50% · 4.625%
HK$179,659
+HK$8,996/mo
Deposit HK$21.28M · loan HK$31.91M · min. income ≈ HK$341,326/mo (50% DSR)
Upfront cash ≈ HK$23.54M (deposit + AVD stamp duty HK$2,260,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,800
−HK$10,648/mo
▼ 0.25% · 3.875%
HK$175,082
−HK$5,366/mo
Today · 4.125%
HK$180,448
baseline
▲ 0.50% · 4.625%
HK$191,428
+HK$10,980/mo
Deposit HK$15.96M · loan HK$37.23M · min. income ≈ HK$360,896/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$2,260,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,901
−HK$10,206/mo
▼ 0.25% · 3.875%
HK$193,967
−HK$5,140/mo
Today · 4.125%
HK$199,107
baseline
▲ 0.50% · 4.625%
HK$209,602
+HK$10,495/mo
Deposit HK$15.96M · loan HK$37.23M · min. income ≈ HK$398,214/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$2,260,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,314
−HK$13,691/mo
▼ 0.25% · 3.875%
HK$225,105
−HK$6,900/mo
Today · 4.125%
HK$232,005
baseline
▲ 0.50% · 4.625%
HK$246,121
+HK$14,116/mo
Deposit HK$5.32M · loan HK$47.87M · min. income ≈ HK$464,010/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$2,260,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,872
−HK$13,122/mo
▼ 0.25% · 3.875%
HK$249,386
−HK$6,608/mo
Today · 4.125%
HK$255,994
baseline
▲ 0.50% · 4.625%
HK$269,488
+HK$13,494/mo
Deposit HK$5.32M · loan HK$47.87M · min. income ≈ HK$511,988/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$2,260,554 · Scale 2, in force from 26 Feb 2026)