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$122,521
−HK$7,683/mo
▼ 0.25% · 3.875%
HK$126,332
−HK$3,872/mo
Today · 4.125%
HK$130,204
baseline
▲ 0.50% · 4.625%
HK$138,126
+HK$7,922/mo
Deposit HK$26.87M · loan HK$26.87M · min. income ≈ HK$260,408/mo (50% DSR)
Upfront cash ≈ HK$29.15M (deposit + AVD stamp duty HK$2,283,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,303
−HK$7,364/mo
▼ 0.25% · 3.875%
HK$139,959
−HK$3,708/mo
Today · 4.125%
HK$143,667
baseline
▲ 0.50% · 4.625%
HK$151,240
+HK$7,573/mo
Deposit HK$26.87M · loan HK$26.87M · min. income ≈ HK$287,334/mo (50% DSR)
Upfront cash ≈ HK$29.15M (deposit + AVD stamp duty HK$2,283,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,025
−HK$9,219/mo
▼ 0.25% · 3.875%
HK$151,598
−HK$4,646/mo
Today · 4.125%
HK$156,244
baseline
▲ 0.50% · 4.625%
HK$165,752
+HK$9,508/mo
Deposit HK$21.49M · loan HK$32.24M · min. income ≈ HK$312,488/mo (50% DSR)
Upfront cash ≈ HK$23.78M (deposit + AVD stamp duty HK$2,283,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,564
−HK$8,836/mo
▼ 0.25% · 3.875%
HK$167,950
−HK$4,450/mo
Today · 4.125%
HK$172,400
baseline
▲ 0.50% · 4.625%
HK$181,488
+HK$9,088/mo
Deposit HK$21.49M · loan HK$32.24M · min. income ≈ HK$344,800/mo (50% DSR)
Upfront cash ≈ HK$23.78M (deposit + AVD stamp duty HK$2,283,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,529
−HK$10,756/mo
▼ 0.25% · 3.875%
HK$176,864
−HK$5,421/mo
Today · 4.125%
HK$182,285
baseline
▲ 0.50% · 4.625%
HK$193,377
+HK$11,092/mo
Deposit HK$16.12M · loan HK$37.61M · min. income ≈ HK$364,570/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$2,283,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,824
−HK$10,310/mo
▼ 0.25% · 3.875%
HK$195,942
−HK$5,192/mo
Today · 4.125%
HK$201,134
baseline
▲ 0.50% · 4.625%
HK$211,736
+HK$10,602/mo
Deposit HK$16.12M · loan HK$37.61M · min. income ≈ HK$402,268/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$2,283,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,537
−HK$13,830/mo
▼ 0.25% · 3.875%
HK$227,397
−HK$6,970/mo
Today · 4.125%
HK$234,367
baseline
▲ 0.50% · 4.625%
HK$248,627
+HK$14,260/mo
Deposit HK$5.37M · loan HK$48.36M · min. income ≈ HK$468,734/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$2,283,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,345
−HK$13,256/mo
▼ 0.25% · 3.875%
HK$251,925
−HK$6,676/mo
Today · 4.125%
HK$258,601
baseline
▲ 0.50% · 4.625%
HK$272,232
+HK$13,631/mo
Deposit HK$5.37M · loan HK$48.36M · min. income ≈ HK$517,202/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$2,283,571 · Scale 2, in force from 26 Feb 2026)