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$121,424
−HK$7,614/mo
▼ 0.25% · 3.875%
HK$125,201
−HK$3,837/mo
Today · 4.125%
HK$129,038
baseline
▲ 0.50% · 4.625%
HK$136,890
+HK$7,852/mo
Deposit HK$26.63M · loan HK$26.63M · min. income ≈ HK$258,076/mo (50% DSR)
Upfront cash ≈ HK$28.89M (deposit + AVD stamp duty HK$2,263,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,083
−HK$7,298/mo
▼ 0.25% · 3.875%
HK$138,706
−HK$3,675/mo
Today · 4.125%
HK$142,381
baseline
▲ 0.50% · 4.625%
HK$149,886
+HK$7,505/mo
Deposit HK$26.63M · loan HK$26.63M · min. income ≈ HK$284,762/mo (50% DSR)
Upfront cash ≈ HK$28.89M (deposit + AVD stamp duty HK$2,263,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,709
−HK$9,137/mo
▼ 0.25% · 3.875%
HK$150,241
−HK$4,605/mo
Today · 4.125%
HK$154,846
baseline
▲ 0.50% · 4.625%
HK$164,268
+HK$9,422/mo
Deposit HK$21.30M · loan HK$31.95M · min. income ≈ HK$309,692/mo (50% DSR)
Upfront cash ≈ HK$23.56M (deposit + AVD stamp duty HK$2,263,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,100
−HK$8,757/mo
▼ 0.25% · 3.875%
HK$166,447
−HK$4,410/mo
Today · 4.125%
HK$170,857
baseline
▲ 0.50% · 4.625%
HK$179,864
+HK$9,007/mo
Deposit HK$21.30M · loan HK$31.95M · min. income ≈ HK$341,714/mo (50% DSR)
Upfront cash ≈ HK$23.56M (deposit + AVD stamp duty HK$2,263,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,994
−HK$10,660/mo
▼ 0.25% · 3.875%
HK$175,281
−HK$5,373/mo
Today · 4.125%
HK$180,654
baseline
▲ 0.50% · 4.625%
HK$191,646
+HK$10,992/mo
Deposit HK$15.98M · loan HK$37.28M · min. income ≈ HK$361,308/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$2,263,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,116
−HK$10,218/mo
▼ 0.25% · 3.875%
HK$194,188
−HK$5,146/mo
Today · 4.125%
HK$199,334
baseline
▲ 0.50% · 4.625%
HK$209,841
+HK$10,507/mo
Deposit HK$15.98M · loan HK$37.28M · min. income ≈ HK$398,668/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$2,263,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,563
−HK$13,706/mo
▼ 0.25% · 3.875%
HK$225,362
−HK$6,907/mo
Today · 4.125%
HK$232,269
baseline
▲ 0.50% · 4.625%
HK$246,402
+HK$14,133/mo
Deposit HK$5.33M · loan HK$47.93M · min. income ≈ HK$464,538/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$2,263,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,149
−HK$13,137/mo
▼ 0.25% · 3.875%
HK$249,671
−HK$6,615/mo
Today · 4.125%
HK$256,286
baseline
▲ 0.50% · 4.625%
HK$269,795
+HK$13,509/mo
Deposit HK$5.33M · loan HK$47.93M · min. income ≈ HK$512,572/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$2,263,133 · Scale 2, in force from 26 Feb 2026)