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$123,093
−HK$7,719/mo
▼ 0.25% · 3.875%
HK$126,921
−HK$3,891/mo
Today · 4.125%
HK$130,812
baseline
▲ 0.50% · 4.625%
HK$138,771
+HK$7,959/mo
Deposit HK$26.99M · loan HK$26.99M · min. income ≈ HK$261,624/mo (50% DSR)
Upfront cash ≈ HK$29.29M (deposit + AVD stamp duty HK$2,294,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,939
−HK$7,399/mo
▼ 0.25% · 3.875%
HK$140,612
−HK$3,726/mo
Today · 4.125%
HK$144,338
baseline
▲ 0.50% · 4.625%
HK$151,946
+HK$7,608/mo
Deposit HK$26.99M · loan HK$26.99M · min. income ≈ HK$288,676/mo (50% DSR)
Upfront cash ≈ HK$29.29M (deposit + AVD stamp duty HK$2,294,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,711
−HK$9,263/mo
▼ 0.25% · 3.875%
HK$152,306
−HK$4,668/mo
Today · 4.125%
HK$156,974
baseline
▲ 0.50% · 4.625%
HK$166,525
+HK$9,551/mo
Deposit HK$21.59M · loan HK$32.39M · min. income ≈ HK$313,948/mo (50% DSR)
Upfront cash ≈ HK$23.89M (deposit + AVD stamp duty HK$2,294,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,327
−HK$8,878/mo
▼ 0.25% · 3.875%
HK$168,734
−HK$4,471/mo
Today · 4.125%
HK$173,205
baseline
▲ 0.50% · 4.625%
HK$182,335
+HK$9,130/mo
Deposit HK$21.59M · loan HK$32.39M · min. income ≈ HK$346,410/mo (50% DSR)
Upfront cash ≈ HK$23.89M (deposit + AVD stamp duty HK$2,294,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,330
−HK$10,806/mo
▼ 0.25% · 3.875%
HK$177,690
−HK$5,446/mo
Today · 4.125%
HK$183,136
baseline
▲ 0.50% · 4.625%
HK$194,280
+HK$11,144/mo
Deposit HK$16.19M · loan HK$37.79M · min. income ≈ HK$366,272/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$2,294,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,715
−HK$10,358/mo
▼ 0.25% · 3.875%
HK$196,857
−HK$5,216/mo
Today · 4.125%
HK$202,073
baseline
▲ 0.50% · 4.625%
HK$212,724
+HK$10,651/mo
Deposit HK$16.19M · loan HK$37.79M · min. income ≈ HK$404,146/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$2,294,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,567
−HK$13,894/mo
▼ 0.25% · 3.875%
HK$228,459
−HK$7,002/mo
Today · 4.125%
HK$235,461
baseline
▲ 0.50% · 4.625%
HK$249,788
+HK$14,327/mo
Deposit HK$5.40M · loan HK$48.58M · min. income ≈ HK$470,922/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$2,294,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,491
−HK$13,317/mo
▼ 0.25% · 3.875%
HK$253,101
−HK$6,707/mo
Today · 4.125%
HK$259,808
baseline
▲ 0.50% · 4.625%
HK$273,503
+HK$13,695/mo
Deposit HK$5.40M · loan HK$48.58M · min. income ≈ HK$519,616/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$2,294,231 · Scale 2, in force from 26 Feb 2026)