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$123,057
−HK$7,717/mo
▼ 0.25% · 3.875%
HK$126,885
−HK$3,889/mo
Today · 4.125%
HK$130,774
baseline
▲ 0.50% · 4.625%
HK$138,731
+HK$7,957/mo
Deposit HK$26.98M · loan HK$26.98M · min. income ≈ HK$261,548/mo (50% DSR)
Upfront cash ≈ HK$29.28M (deposit + AVD stamp duty HK$2,293,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,900
−HK$7,396/mo
▼ 0.25% · 3.875%
HK$140,571
−HK$3,725/mo
Today · 4.125%
HK$144,296
baseline
▲ 0.50% · 4.625%
HK$151,902
+HK$7,606/mo
Deposit HK$26.98M · loan HK$26.98M · min. income ≈ HK$288,592/mo (50% DSR)
Upfront cash ≈ HK$29.28M (deposit + AVD stamp duty HK$2,293,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,668
−HK$9,260/mo
▼ 0.25% · 3.875%
HK$152,262
−HK$4,666/mo
Today · 4.125%
HK$156,928
baseline
▲ 0.50% · 4.625%
HK$166,477
+HK$9,549/mo
Deposit HK$21.59M · loan HK$32.38M · min. income ≈ HK$313,856/mo (50% DSR)
Upfront cash ≈ HK$23.88M (deposit + AVD stamp duty HK$2,293,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,279
−HK$8,876/mo
▼ 0.25% · 3.875%
HK$168,685
−HK$4,470/mo
Today · 4.125%
HK$173,155
baseline
▲ 0.50% · 4.625%
HK$182,282
+HK$9,127/mo
Deposit HK$21.59M · loan HK$32.38M · min. income ≈ HK$346,310/mo (50% DSR)
Upfront cash ≈ HK$23.88M (deposit + AVD stamp duty HK$2,293,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,280
−HK$10,803/mo
▼ 0.25% · 3.875%
HK$177,639
−HK$5,444/mo
Today · 4.125%
HK$183,083
baseline
▲ 0.50% · 4.625%
HK$194,223
+HK$11,140/mo
Deposit HK$16.19M · loan HK$37.78M · min. income ≈ HK$366,166/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$2,293,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,659
−HK$10,355/mo
▼ 0.25% · 3.875%
HK$196,800
−HK$5,214/mo
Today · 4.125%
HK$202,014
baseline
▲ 0.50% · 4.625%
HK$212,663
+HK$10,649/mo
Deposit HK$16.19M · loan HK$37.78M · min. income ≈ HK$404,028/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$2,293,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,502
−HK$13,891/mo
▼ 0.25% · 3.875%
HK$228,392
−HK$7,001/mo
Today · 4.125%
HK$235,393
baseline
▲ 0.50% · 4.625%
HK$249,716
+HK$14,323/mo
Deposit HK$5.40M · loan HK$48.57M · min. income ≈ HK$470,786/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$2,293,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,419
−HK$13,313/mo
▼ 0.25% · 3.875%
HK$253,028
−HK$6,704/mo
Today · 4.125%
HK$259,732
baseline
▲ 0.50% · 4.625%
HK$273,423
+HK$13,691/mo
Deposit HK$5.40M · loan HK$48.57M · min. income ≈ HK$519,464/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$2,293,566 · Scale 2, in force from 26 Feb 2026)