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$122,277
−HK$7,668/mo
▼ 0.25% · 3.875%
HK$126,080
−HK$3,865/mo
Today · 4.125%
HK$129,945
baseline
▲ 0.50% · 4.625%
HK$137,852
+HK$7,907/mo
Deposit HK$26.81M · loan HK$26.81M · min. income ≈ HK$259,890/mo (50% DSR)
Upfront cash ≈ HK$29.09M (deposit + AVD stamp duty HK$2,279,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,032
−HK$7,349/mo
▼ 0.25% · 3.875%
HK$139,680
−HK$3,701/mo
Today · 4.125%
HK$143,381
baseline
▲ 0.50% · 4.625%
HK$150,939
+HK$7,558/mo
Deposit HK$26.81M · loan HK$26.81M · min. income ≈ HK$286,762/mo (50% DSR)
Upfront cash ≈ HK$29.09M (deposit + AVD stamp duty HK$2,279,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,732
−HK$9,202/mo
▼ 0.25% · 3.875%
HK$151,296
−HK$4,638/mo
Today · 4.125%
HK$155,934
baseline
▲ 0.50% · 4.625%
HK$165,422
+HK$9,488/mo
Deposit HK$21.45M · loan HK$32.17M · min. income ≈ HK$311,868/mo (50% DSR)
Upfront cash ≈ HK$23.73M (deposit + AVD stamp duty HK$2,279,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,238
−HK$8,819/mo
▼ 0.25% · 3.875%
HK$167,616
−HK$4,441/mo
Today · 4.125%
HK$172,057
baseline
▲ 0.50% · 4.625%
HK$181,127
+HK$9,070/mo
Deposit HK$21.45M · loan HK$32.17M · min. income ≈ HK$344,114/mo (50% DSR)
Upfront cash ≈ HK$23.73M (deposit + AVD stamp duty HK$2,279,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,188
−HK$10,735/mo
▼ 0.25% · 3.875%
HK$176,513
−HK$5,410/mo
Today · 4.125%
HK$181,923
baseline
▲ 0.50% · 4.625%
HK$192,992
+HK$11,069/mo
Deposit HK$16.09M · loan HK$37.54M · min. income ≈ HK$363,846/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$2,279,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,445
−HK$10,289/mo
▼ 0.25% · 3.875%
HK$195,552
−HK$5,182/mo
Today · 4.125%
HK$200,734
baseline
▲ 0.50% · 4.625%
HK$211,315
+HK$10,581/mo
Deposit HK$16.09M · loan HK$37.54M · min. income ≈ HK$401,468/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$2,279,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,098
−HK$13,803/mo
▼ 0.25% · 3.875%
HK$226,945
−HK$6,956/mo
Today · 4.125%
HK$233,901
baseline
▲ 0.50% · 4.625%
HK$248,133
+HK$14,232/mo
Deposit HK$5.36M · loan HK$48.26M · min. income ≈ HK$467,802/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$2,279,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,857
−HK$13,229/mo
▼ 0.25% · 3.875%
HK$251,424
−HK$6,662/mo
Today · 4.125%
HK$258,086
baseline
▲ 0.50% · 4.625%
HK$271,690
+HK$13,604/mo
Deposit HK$5.36M · loan HK$48.26M · min. income ≈ HK$516,172/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$2,279,028 · Scale 2, in force from 26 Feb 2026)