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$122,719
−HK$7,696/mo
▼ 0.25% · 3.875%
HK$126,537
−HK$3,878/mo
Today · 4.125%
HK$130,415
baseline
▲ 0.50% · 4.625%
HK$138,350
+HK$7,935/mo
Deposit HK$26.91M · loan HK$26.91M · min. income ≈ HK$260,830/mo (50% DSR)
Upfront cash ≈ HK$29.20M (deposit + AVD stamp duty HK$2,287,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,524
−HK$7,376/mo
▼ 0.25% · 3.875%
HK$140,186
−HK$3,714/mo
Today · 4.125%
HK$143,900
baseline
▲ 0.50% · 4.625%
HK$151,485
+HK$7,585/mo
Deposit HK$26.91M · loan HK$26.91M · min. income ≈ HK$287,800/mo (50% DSR)
Upfront cash ≈ HK$29.20M (deposit + AVD stamp duty HK$2,287,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,263
−HK$9,235/mo
▼ 0.25% · 3.875%
HK$151,844
−HK$4,654/mo
Today · 4.125%
HK$156,498
baseline
▲ 0.50% · 4.625%
HK$166,021
+HK$9,523/mo
Deposit HK$21.53M · loan HK$32.29M · min. income ≈ HK$312,996/mo (50% DSR)
Upfront cash ≈ HK$23.81M (deposit + AVD stamp duty HK$2,287,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,829
−HK$8,851/mo
▼ 0.25% · 3.875%
HK$168,223
−HK$4,457/mo
Today · 4.125%
HK$172,680
baseline
▲ 0.50% · 4.625%
HK$181,782
+HK$9,102/mo
Deposit HK$21.53M · loan HK$32.29M · min. income ≈ HK$345,360/mo (50% DSR)
Upfront cash ≈ HK$23.81M (deposit + AVD stamp duty HK$2,287,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,807
−HK$10,774/mo
▼ 0.25% · 3.875%
HK$177,151
−HK$5,430/mo
Today · 4.125%
HK$182,581
baseline
▲ 0.50% · 4.625%
HK$193,691
+HK$11,110/mo
Deposit HK$16.15M · loan HK$37.67M · min. income ≈ HK$365,162/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$2,287,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,134
−HK$10,326/mo
▼ 0.25% · 3.875%
HK$196,260
−HK$5,200/mo
Today · 4.125%
HK$201,460
baseline
▲ 0.50% · 4.625%
HK$212,079
+HK$10,619/mo
Deposit HK$16.15M · loan HK$37.67M · min. income ≈ HK$402,920/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$2,287,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,895
−HK$13,852/mo
▼ 0.25% · 3.875%
HK$227,766
−HK$6,981/mo
Today · 4.125%
HK$234,747
baseline
▲ 0.50% · 4.625%
HK$249,031
+HK$14,284/mo
Deposit HK$5.38M · loan HK$48.44M · min. income ≈ HK$469,494/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$2,287,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,743
−HK$13,277/mo
▼ 0.25% · 3.875%
HK$252,334
−HK$6,686/mo
Today · 4.125%
HK$259,020
baseline
▲ 0.50% · 4.625%
HK$272,674
+HK$13,654/mo
Deposit HK$5.38M · loan HK$48.44M · min. income ≈ HK$518,040/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$2,287,276 · Scale 2, in force from 26 Feb 2026)