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$122,686
−HK$7,694/mo
▼ 0.25% · 3.875%
HK$126,502
−HK$3,878/mo
Today · 4.125%
HK$130,380
baseline
▲ 0.50% · 4.625%
HK$138,313
+HK$7,933/mo
Deposit HK$26.90M · loan HK$26.90M · min. income ≈ HK$260,760/mo (50% DSR)
Upfront cash ≈ HK$29.19M (deposit + AVD stamp duty HK$2,286,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,487
−HK$7,374/mo
▼ 0.25% · 3.875%
HK$140,148
−HK$3,713/mo
Today · 4.125%
HK$143,861
baseline
▲ 0.50% · 4.625%
HK$151,444
+HK$7,583/mo
Deposit HK$26.90M · loan HK$26.90M · min. income ≈ HK$287,722/mo (50% DSR)
Upfront cash ≈ HK$29.19M (deposit + AVD stamp duty HK$2,286,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,223
−HK$9,233/mo
▼ 0.25% · 3.875%
HK$151,803
−HK$4,653/mo
Today · 4.125%
HK$156,456
baseline
▲ 0.50% · 4.625%
HK$165,976
+HK$9,520/mo
Deposit HK$21.52M · loan HK$32.28M · min. income ≈ HK$312,912/mo (50% DSR)
Upfront cash ≈ HK$23.81M (deposit + AVD stamp duty HK$2,286,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,785
−HK$8,848/mo
▼ 0.25% · 3.875%
HK$168,177
−HK$4,456/mo
Today · 4.125%
HK$172,633
baseline
▲ 0.50% · 4.625%
HK$181,733
+HK$9,100/mo
Deposit HK$21.52M · loan HK$32.28M · min. income ≈ HK$345,266/mo (50% DSR)
Upfront cash ≈ HK$23.81M (deposit + AVD stamp duty HK$2,286,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,761
−HK$10,771/mo
▼ 0.25% · 3.875%
HK$177,103
−HK$5,429/mo
Today · 4.125%
HK$182,532
baseline
▲ 0.50% · 4.625%
HK$193,638
+HK$11,106/mo
Deposit HK$16.14M · loan HK$37.66M · min. income ≈ HK$365,064/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$2,286,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,082
−HK$10,324/mo
▼ 0.25% · 3.875%
HK$196,207
−HK$5,199/mo
Today · 4.125%
HK$201,406
baseline
▲ 0.50% · 4.625%
HK$212,022
+HK$10,616/mo
Deposit HK$16.14M · loan HK$37.66M · min. income ≈ HK$402,812/mo (50% DSR)
Upfront cash ≈ HK$18.43M (deposit + AVD stamp duty HK$2,286,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,835
−HK$13,849/mo
▼ 0.25% · 3.875%
HK$227,704
−HK$6,980/mo
Today · 4.125%
HK$234,684
baseline
▲ 0.50% · 4.625%
HK$248,963
+HK$14,279/mo
Deposit HK$5.38M · loan HK$48.42M · min. income ≈ HK$469,368/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$2,286,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,677
−HK$13,273/mo
▼ 0.25% · 3.875%
HK$252,266
−HK$6,684/mo
Today · 4.125%
HK$258,950
baseline
▲ 0.50% · 4.625%
HK$272,600
+HK$13,650/mo
Deposit HK$5.38M · loan HK$48.42M · min. income ≈ HK$517,900/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$2,286,658 · Scale 2, in force from 26 Feb 2026)