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$125,822
−HK$7,890/mo
▼ 0.25% · 3.875%
HK$129,736
−HK$3,976/mo
Today · 4.125%
HK$133,712
baseline
▲ 0.50% · 4.625%
HK$141,848
+HK$8,136/mo
Deposit HK$27.59M · loan HK$27.59M · min. income ≈ HK$267,424/mo (50% DSR)
Upfront cash ≈ HK$29.93M (deposit + AVD stamp duty HK$2,345,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,976
−HK$7,562/mo
▼ 0.25% · 3.875%
HK$143,730
−HK$3,808/mo
Today · 4.125%
HK$147,538
baseline
▲ 0.50% · 4.625%
HK$155,315
+HK$7,777/mo
Deposit HK$27.59M · loan HK$27.59M · min. income ≈ HK$295,076/mo (50% DSR)
Upfront cash ≈ HK$29.93M (deposit + AVD stamp duty HK$2,345,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,987
−HK$9,468/mo
▼ 0.25% · 3.875%
HK$155,683
−HK$4,772/mo
Today · 4.125%
HK$160,455
baseline
▲ 0.50% · 4.625%
HK$170,218
+HK$9,763/mo
Deposit HK$22.07M · loan HK$33.11M · min. income ≈ HK$320,910/mo (50% DSR)
Upfront cash ≈ HK$24.42M (deposit + AVD stamp duty HK$2,345,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,971
−HK$9,075/mo
▼ 0.25% · 3.875%
HK$172,476
−HK$4,570/mo
Today · 4.125%
HK$177,046
baseline
▲ 0.50% · 4.625%
HK$186,378
+HK$9,332/mo
Deposit HK$22.07M · loan HK$33.11M · min. income ≈ HK$354,092/mo (50% DSR)
Upfront cash ≈ HK$24.42M (deposit + AVD stamp duty HK$2,345,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,151
−HK$11,046/mo
▼ 0.25% · 3.875%
HK$181,630
−HK$5,567/mo
Today · 4.125%
HK$187,197
baseline
▲ 0.50% · 4.625%
HK$198,588
+HK$11,391/mo
Deposit HK$16.55M · loan HK$38.63M · min. income ≈ HK$374,394/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$2,345,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,966
−HK$10,588/mo
▼ 0.25% · 3.875%
HK$201,222
−HK$5,332/mo
Today · 4.125%
HK$206,554
baseline
▲ 0.50% · 4.625%
HK$217,441
+HK$10,887/mo
Deposit HK$16.55M · loan HK$38.63M · min. income ≈ HK$413,108/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$2,345,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,480
−HK$14,202/mo
▼ 0.25% · 3.875%
HK$233,525
−HK$7,157/mo
Today · 4.125%
HK$240,682
baseline
▲ 0.50% · 4.625%
HK$255,327
+HK$14,645/mo
Deposit HK$5.52M · loan HK$49.66M · min. income ≈ HK$481,364/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$2,345,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,957
−HK$13,612/mo
▼ 0.25% · 3.875%
HK$258,714
−HK$6,855/mo
Today · 4.125%
HK$265,569
baseline
▲ 0.50% · 4.625%
HK$279,568
+HK$13,999/mo
Deposit HK$5.52M · loan HK$49.66M · min. income ≈ HK$531,138/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$2,345,106 · Scale 2, in force from 26 Feb 2026)