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$121,965
−HK$7,648/mo
▼ 0.25% · 3.875%
HK$125,759
−HK$3,854/mo
Today · 4.125%
HK$129,613
baseline
▲ 0.50% · 4.625%
HK$137,500
+HK$7,887/mo
Deposit HK$26.74M · loan HK$26.74M · min. income ≈ HK$259,226/mo (50% DSR)
Upfront cash ≈ HK$29.02M (deposit + AVD stamp duty HK$2,273,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,685
−HK$7,330/mo
▼ 0.25% · 3.875%
HK$139,324
−HK$3,691/mo
Today · 4.125%
HK$143,015
baseline
▲ 0.50% · 4.625%
HK$150,554
+HK$7,539/mo
Deposit HK$26.74M · loan HK$26.74M · min. income ≈ HK$286,030/mo (50% DSR)
Upfront cash ≈ HK$29.02M (deposit + AVD stamp duty HK$2,273,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,358
−HK$9,178/mo
▼ 0.25% · 3.875%
HK$150,910
−HK$4,626/mo
Today · 4.125%
HK$155,536
baseline
▲ 0.50% · 4.625%
HK$165,000
+HK$9,464/mo
Deposit HK$21.39M · loan HK$32.09M · min. income ≈ HK$311,072/mo (50% DSR)
Upfront cash ≈ HK$23.67M (deposit + AVD stamp duty HK$2,273,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,822
−HK$8,796/mo
▼ 0.25% · 3.875%
HK$167,188
−HK$4,430/mo
Today · 4.125%
HK$171,618
baseline
▲ 0.50% · 4.625%
HK$180,665
+HK$9,047/mo
Deposit HK$21.39M · loan HK$32.09M · min. income ≈ HK$343,236/mo (50% DSR)
Upfront cash ≈ HK$23.67M (deposit + AVD stamp duty HK$2,273,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,751
−HK$10,707/mo
▼ 0.25% · 3.875%
HK$176,062
−HK$5,396/mo
Today · 4.125%
HK$181,458
baseline
▲ 0.50% · 4.625%
HK$192,500
+HK$11,042/mo
Deposit HK$16.05M · loan HK$37.44M · min. income ≈ HK$362,916/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$2,273,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,959
−HK$10,262/mo
▼ 0.25% · 3.875%
HK$195,053
−HK$5,168/mo
Today · 4.125%
HK$200,221
baseline
▲ 0.50% · 4.625%
HK$210,775
+HK$10,554/mo
Deposit HK$16.05M · loan HK$37.44M · min. income ≈ HK$400,442/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$2,273,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,537
−HK$13,767/mo
▼ 0.25% · 3.875%
HK$226,366
−HK$6,938/mo
Today · 4.125%
HK$233,304
baseline
▲ 0.50% · 4.625%
HK$247,500
+HK$14,196/mo
Deposit HK$5.35M · loan HK$48.14M · min. income ≈ HK$466,608/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$2,273,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,232
−HK$13,196/mo
▼ 0.25% · 3.875%
HK$250,783
−HK$6,645/mo
Today · 4.125%
HK$257,428
baseline
▲ 0.50% · 4.625%
HK$270,997
+HK$13,569/mo
Deposit HK$5.35M · loan HK$48.14M · min. income ≈ HK$514,856/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$2,273,213 · Scale 2, in force from 26 Feb 2026)