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$121,301
−HK$7,607/mo
▼ 0.25% · 3.875%
HK$125,074
−HK$3,834/mo
Today · 4.125%
HK$128,908
baseline
▲ 0.50% · 4.625%
HK$136,751
+HK$7,843/mo
Deposit HK$26.60M · loan HK$26.60M · min. income ≈ HK$257,816/mo (50% DSR)
Upfront cash ≈ HK$28.86M (deposit + AVD stamp duty HK$2,260,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,946
−HK$7,291/mo
▼ 0.25% · 3.875%
HK$138,565
−HK$3,672/mo
Today · 4.125%
HK$142,237
baseline
▲ 0.50% · 4.625%
HK$149,734
+HK$7,497/mo
Deposit HK$26.60M · loan HK$26.60M · min. income ≈ HK$284,474/mo (50% DSR)
Upfront cash ≈ HK$28.86M (deposit + AVD stamp duty HK$2,260,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,561
−HK$9,128/mo
▼ 0.25% · 3.875%
HK$150,089
−HK$4,600/mo
Today · 4.125%
HK$154,689
baseline
▲ 0.50% · 4.625%
HK$164,102
+HK$9,413/mo
Deposit HK$21.28M · loan HK$31.92M · min. income ≈ HK$309,378/mo (50% DSR)
Upfront cash ≈ HK$23.54M (deposit + AVD stamp duty HK$2,260,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,935
−HK$8,749/mo
▼ 0.25% · 3.875%
HK$166,278
−HK$4,406/mo
Today · 4.125%
HK$170,684
baseline
▲ 0.50% · 4.625%
HK$179,681
+HK$8,997/mo
Deposit HK$21.28M · loan HK$31.92M · min. income ≈ HK$341,368/mo (50% DSR)
Upfront cash ≈ HK$23.54M (deposit + AVD stamp duty HK$2,260,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,821
−HK$10,650/mo
▼ 0.25% · 3.875%
HK$175,104
−HK$5,367/mo
Today · 4.125%
HK$180,471
baseline
▲ 0.50% · 4.625%
HK$191,452
+HK$10,981/mo
Deposit HK$15.96M · loan HK$37.24M · min. income ≈ HK$360,942/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$2,260,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,925
−HK$10,207/mo
▼ 0.25% · 3.875%
HK$193,991
−HK$5,141/mo
Today · 4.125%
HK$199,132
baseline
▲ 0.50% · 4.625%
HK$209,628
+HK$10,496/mo
Deposit HK$15.96M · loan HK$37.24M · min. income ≈ HK$398,264/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$2,260,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,342
−HK$13,692/mo
▼ 0.25% · 3.875%
HK$225,134
−HK$6,900/mo
Today · 4.125%
HK$232,034
baseline
▲ 0.50% · 4.625%
HK$246,152
+HK$14,118/mo
Deposit HK$5.32M · loan HK$47.88M · min. income ≈ HK$464,068/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$2,260,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,903
−HK$13,123/mo
▼ 0.25% · 3.875%
HK$249,418
−HK$6,608/mo
Today · 4.125%
HK$256,026
baseline
▲ 0.50% · 4.625%
HK$269,522
+HK$13,496/mo
Deposit HK$5.32M · loan HK$47.88M · min. income ≈ HK$512,052/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$2,260,840 · Scale 2, in force from 26 Feb 2026)