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$120,741
−HK$7,571/mo
▼ 0.25% · 3.875%
HK$124,497
−HK$3,815/mo
Today · 4.125%
HK$128,312
baseline
▲ 0.50% · 4.625%
HK$136,120
+HK$7,808/mo
Deposit HK$26.48M · loan HK$26.48M · min. income ≈ HK$256,624/mo (50% DSR)
Upfront cash ≈ HK$28.73M (deposit + AVD stamp duty HK$2,250,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,323
−HK$7,257/mo
▼ 0.25% · 3.875%
HK$137,926
−HK$3,654/mo
Today · 4.125%
HK$141,580
baseline
▲ 0.50% · 4.625%
HK$149,043
+HK$7,463/mo
Deposit HK$26.48M · loan HK$26.48M · min. income ≈ HK$283,160/mo (50% DSR)
Upfront cash ≈ HK$28.73M (deposit + AVD stamp duty HK$2,250,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,889
−HK$9,086/mo
▼ 0.25% · 3.875%
HK$149,396
−HK$4,579/mo
Today · 4.125%
HK$153,975
baseline
▲ 0.50% · 4.625%
HK$163,344
+HK$9,369/mo
Deposit HK$21.18M · loan HK$31.77M · min. income ≈ HK$307,950/mo (50% DSR)
Upfront cash ≈ HK$23.43M (deposit + AVD stamp duty HK$2,250,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,188
−HK$8,708/mo
▼ 0.25% · 3.875%
HK$165,511
−HK$4,385/mo
Today · 4.125%
HK$169,896
baseline
▲ 0.50% · 4.625%
HK$178,852
+HK$8,956/mo
Deposit HK$21.18M · loan HK$31.77M · min. income ≈ HK$339,792/mo (50% DSR)
Upfront cash ≈ HK$23.43M (deposit + AVD stamp duty HK$2,250,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,037
−HK$10,600/mo
▼ 0.25% · 3.875%
HK$174,295
−HK$5,342/mo
Today · 4.125%
HK$179,637
baseline
▲ 0.50% · 4.625%
HK$190,568
+HK$10,931/mo
Deposit HK$15.89M · loan HK$37.07M · min. income ≈ HK$359,274/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$2,250,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,052
−HK$10,160/mo
▼ 0.25% · 3.875%
HK$193,096
−HK$5,116/mo
Today · 4.125%
HK$198,212
baseline
▲ 0.50% · 4.625%
HK$208,660
+HK$10,448/mo
Deposit HK$15.89M · loan HK$37.07M · min. income ≈ HK$396,424/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$2,250,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,334
−HK$13,628/mo
▼ 0.25% · 3.875%
HK$224,094
−HK$6,868/mo
Today · 4.125%
HK$230,962
baseline
▲ 0.50% · 4.625%
HK$245,016
+HK$14,054/mo
Deposit HK$5.30M · loan HK$47.66M · min. income ≈ HK$461,924/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$2,250,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,782
−HK$13,062/mo
▼ 0.25% · 3.875%
HK$248,266
−HK$6,578/mo
Today · 4.125%
HK$254,844
baseline
▲ 0.50% · 4.625%
HK$268,278
+HK$13,434/mo
Deposit HK$5.30M · loan HK$47.66M · min. income ≈ HK$509,688/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$2,250,401 · Scale 2, in force from 26 Feb 2026)