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$121,637
−HK$7,627/mo
▼ 0.25% · 3.875%
HK$125,420
−HK$3,844/mo
Today · 4.125%
HK$129,264
baseline
▲ 0.50% · 4.625%
HK$137,130
+HK$7,866/mo
Deposit HK$26.67M · loan HK$26.67M · min. income ≈ HK$258,528/mo (50% DSR)
Upfront cash ≈ HK$28.94M (deposit + AVD stamp duty HK$2,267,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,320
−HK$7,311/mo
▼ 0.25% · 3.875%
HK$138,949
−HK$3,682/mo
Today · 4.125%
HK$142,631
baseline
▲ 0.50% · 4.625%
HK$150,149
+HK$7,518/mo
Deposit HK$26.67M · loan HK$26.67M · min. income ≈ HK$285,262/mo (50% DSR)
Upfront cash ≈ HK$28.94M (deposit + AVD stamp duty HK$2,267,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,964
−HK$9,153/mo
▼ 0.25% · 3.875%
HK$150,504
−HK$4,613/mo
Today · 4.125%
HK$155,117
baseline
▲ 0.50% · 4.625%
HK$164,556
+HK$9,439/mo
Deposit HK$21.34M · loan HK$32.01M · min. income ≈ HK$310,234/mo (50% DSR)
Upfront cash ≈ HK$23.60M (deposit + AVD stamp duty HK$2,267,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,384
−HK$8,773/mo
▼ 0.25% · 3.875%
HK$166,739
−HK$4,418/mo
Today · 4.125%
HK$171,157
baseline
▲ 0.50% · 4.625%
HK$180,179
+HK$9,022/mo
Deposit HK$21.34M · loan HK$32.01M · min. income ≈ HK$342,314/mo (50% DSR)
Upfront cash ≈ HK$23.60M (deposit + AVD stamp duty HK$2,267,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,292
−HK$10,678/mo
▼ 0.25% · 3.875%
HK$175,589
−HK$5,381/mo
Today · 4.125%
HK$180,970
baseline
▲ 0.50% · 4.625%
HK$191,982
+HK$11,012/mo
Deposit HK$16.00M · loan HK$37.34M · min. income ≈ HK$361,940/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$2,267,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,448
−HK$10,235/mo
▼ 0.25% · 3.875%
HK$194,528
−HK$5,155/mo
Today · 4.125%
HK$199,683
baseline
▲ 0.50% · 4.625%
HK$210,208
+HK$10,525/mo
Deposit HK$16.00M · loan HK$37.34M · min. income ≈ HK$399,366/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$2,267,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,946
−HK$13,730/mo
▼ 0.25% · 3.875%
HK$225,757
−HK$6,919/mo
Today · 4.125%
HK$232,676
baseline
▲ 0.50% · 4.625%
HK$246,834
+HK$14,158/mo
Deposit HK$5.33M · loan HK$48.01M · min. income ≈ HK$465,352/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$2,267,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,575
−HK$13,160/mo
▼ 0.25% · 3.875%
HK$250,108
−HK$6,627/mo
Today · 4.125%
HK$256,735
baseline
▲ 0.50% · 4.625%
HK$270,268
+HK$13,533/mo
Deposit HK$5.33M · loan HK$48.01M · min. income ≈ HK$513,470/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$2,267,098 · Scale 2, in force from 26 Feb 2026)