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$120,736
−HK$7,571/mo
▼ 0.25% · 3.875%
HK$124,491
−HK$3,816/mo
Today · 4.125%
HK$128,307
baseline
▲ 0.50% · 4.625%
HK$136,114
+HK$7,807/mo
Deposit HK$26.47M · loan HK$26.47M · min. income ≈ HK$256,614/mo (50% DSR)
Upfront cash ≈ HK$28.72M (deposit + AVD stamp duty HK$2,250,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,317
−HK$7,257/mo
▼ 0.25% · 3.875%
HK$137,920
−HK$3,654/mo
Today · 4.125%
HK$141,574
baseline
▲ 0.50% · 4.625%
HK$149,037
+HK$7,463/mo
Deposit HK$26.47M · loan HK$26.47M · min. income ≈ HK$283,148/mo (50% DSR)
Upfront cash ≈ HK$28.72M (deposit + AVD stamp duty HK$2,250,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,883
−HK$9,086/mo
▼ 0.25% · 3.875%
HK$149,390
−HK$4,579/mo
Today · 4.125%
HK$153,969
baseline
▲ 0.50% · 4.625%
HK$163,337
+HK$9,368/mo
Deposit HK$21.18M · loan HK$31.77M · min. income ≈ HK$307,938/mo (50% DSR)
Upfront cash ≈ HK$23.43M (deposit + AVD stamp duty HK$2,250,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,181
−HK$8,708/mo
▼ 0.25% · 3.875%
HK$165,504
−HK$4,385/mo
Today · 4.125%
HK$169,889
baseline
▲ 0.50% · 4.625%
HK$178,844
+HK$8,955/mo
Deposit HK$21.18M · loan HK$31.77M · min. income ≈ HK$339,778/mo (50% DSR)
Upfront cash ≈ HK$23.43M (deposit + AVD stamp duty HK$2,250,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,030
−HK$10,600/mo
▼ 0.25% · 3.875%
HK$174,288
−HK$5,342/mo
Today · 4.125%
HK$179,630
baseline
▲ 0.50% · 4.625%
HK$190,560
+HK$10,930/mo
Deposit HK$15.88M · loan HK$37.06M · min. income ≈ HK$359,260/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$2,250,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,044
−HK$10,160/mo
▼ 0.25% · 3.875%
HK$193,088
−HK$5,116/mo
Today · 4.125%
HK$198,204
baseline
▲ 0.50% · 4.625%
HK$208,652
+HK$10,448/mo
Deposit HK$15.88M · loan HK$37.06M · min. income ≈ HK$396,408/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$2,250,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$217,325
−HK$13,628/mo
▼ 0.25% · 3.875%
HK$224,085
−HK$6,868/mo
Today · 4.125%
HK$230,953
baseline
▲ 0.50% · 4.625%
HK$245,006
+HK$14,053/mo
Deposit HK$5.29M · loan HK$47.65M · min. income ≈ HK$461,906/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$2,250,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,771
−HK$13,063/mo
▼ 0.25% · 3.875%
HK$248,256
−HK$6,578/mo
Today · 4.125%
HK$254,834
baseline
▲ 0.50% · 4.625%
HK$268,266
+HK$13,432/mo
Deposit HK$5.29M · loan HK$47.65M · min. income ≈ HK$509,668/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$2,250,307 · Scale 2, in force from 26 Feb 2026)