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$121,262
−HK$7,604/mo
▼ 0.25% · 3.875%
HK$125,034
−HK$3,832/mo
Today · 4.125%
HK$128,866
baseline
▲ 0.50% · 4.625%
HK$136,708
+HK$7,842/mo
Deposit HK$26.59M · loan HK$26.59M · min. income ≈ HK$257,732/mo (50% DSR)
Upfront cash ≈ HK$28.85M (deposit + AVD stamp duty HK$2,260,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,903
−HK$7,288/mo
▼ 0.25% · 3.875%
HK$138,521
−HK$3,670/mo
Today · 4.125%
HK$142,191
baseline
▲ 0.50% · 4.625%
HK$149,686
+HK$7,495/mo
Deposit HK$26.59M · loan HK$26.59M · min. income ≈ HK$284,382/mo (50% DSR)
Upfront cash ≈ HK$28.85M (deposit + AVD stamp duty HK$2,260,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,515
−HK$9,125/mo
▼ 0.25% · 3.875%
HK$150,041
−HK$4,599/mo
Today · 4.125%
HK$154,640
baseline
▲ 0.50% · 4.625%
HK$164,049
+HK$9,409/mo
Deposit HK$21.27M · loan HK$31.91M · min. income ≈ HK$309,280/mo (50% DSR)
Upfront cash ≈ HK$23.53M (deposit + AVD stamp duty HK$2,260,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,884
−HK$8,746/mo
▼ 0.25% · 3.875%
HK$166,225
−HK$4,405/mo
Today · 4.125%
HK$170,630
baseline
▲ 0.50% · 4.625%
HK$179,624
+HK$8,994/mo
Deposit HK$21.27M · loan HK$31.91M · min. income ≈ HK$341,260/mo (50% DSR)
Upfront cash ≈ HK$23.53M (deposit + AVD stamp duty HK$2,260,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,767
−HK$10,646/mo
▼ 0.25% · 3.875%
HK$175,048
−HK$5,365/mo
Today · 4.125%
HK$180,413
baseline
▲ 0.50% · 4.625%
HK$191,391
+HK$10,978/mo
Deposit HK$15.95M · loan HK$37.23M · min. income ≈ HK$360,826/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$2,260,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,864
−HK$10,204/mo
▼ 0.25% · 3.875%
HK$193,929
−HK$5,139/mo
Today · 4.125%
HK$199,068
baseline
▲ 0.50% · 4.625%
HK$209,561
+HK$10,493/mo
Deposit HK$15.95M · loan HK$37.23M · min. income ≈ HK$398,136/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$2,260,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,272
−HK$13,687/mo
▼ 0.25% · 3.875%
HK$225,061
−HK$6,898/mo
Today · 4.125%
HK$231,959
baseline
▲ 0.50% · 4.625%
HK$246,074
+HK$14,115/mo
Deposit HK$5.32M · loan HK$47.86M · min. income ≈ HK$463,918/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$2,260,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,825
−HK$13,119/mo
▼ 0.25% · 3.875%
HK$249,338
−HK$6,606/mo
Today · 4.125%
HK$255,944
baseline
▲ 0.50% · 4.625%
HK$269,436
+HK$13,492/mo
Deposit HK$5.32M · loan HK$47.86M · min. income ≈ HK$511,888/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$2,260,116 · Scale 2, in force from 26 Feb 2026)