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$126,591
−HK$7,938/mo
▼ 0.25% · 3.875%
HK$130,528
−HK$4,001/mo
Today · 4.125%
HK$134,529
baseline
▲ 0.50% · 4.625%
HK$142,715
+HK$8,186/mo
Deposit HK$27.76M · loan HK$27.76M · min. income ≈ HK$269,058/mo (50% DSR)
Upfront cash ≈ HK$30.12M (deposit + AVD stamp duty HK$2,359,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,831
−HK$7,608/mo
▼ 0.25% · 3.875%
HK$144,608
−HK$3,831/mo
Today · 4.125%
HK$148,439
baseline
▲ 0.50% · 4.625%
HK$156,264
+HK$7,825/mo
Deposit HK$27.76M · loan HK$27.76M · min. income ≈ HK$296,878/mo (50% DSR)
Upfront cash ≈ HK$30.12M (deposit + AVD stamp duty HK$2,359,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,909
−HK$9,526/mo
▼ 0.25% · 3.875%
HK$156,634
−HK$4,801/mo
Today · 4.125%
HK$161,435
baseline
▲ 0.50% · 4.625%
HK$171,258
+HK$9,823/mo
Deposit HK$22.21M · loan HK$33.31M · min. income ≈ HK$322,870/mo (50% DSR)
Upfront cash ≈ HK$24.57M (deposit + AVD stamp duty HK$2,359,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,997
−HK$9,130/mo
▼ 0.25% · 3.875%
HK$173,529
−HK$4,598/mo
Today · 4.125%
HK$178,127
baseline
▲ 0.50% · 4.625%
HK$187,517
+HK$9,390/mo
Deposit HK$22.21M · loan HK$33.31M · min. income ≈ HK$356,254/mo (50% DSR)
Upfront cash ≈ HK$24.57M (deposit + AVD stamp duty HK$2,359,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,227
−HK$11,113/mo
▼ 0.25% · 3.875%
HK$182,740
−HK$5,600/mo
Today · 4.125%
HK$188,340
baseline
▲ 0.50% · 4.625%
HK$199,801
+HK$11,461/mo
Deposit HK$16.65M · loan HK$38.86M · min. income ≈ HK$376,680/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$2,359,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,163
−HK$10,652/mo
▼ 0.25% · 3.875%
HK$202,451
−HK$5,364/mo
Today · 4.125%
HK$207,815
baseline
▲ 0.50% · 4.625%
HK$218,769
+HK$10,954/mo
Deposit HK$16.65M · loan HK$38.86M · min. income ≈ HK$415,630/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$2,359,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,863
−HK$14,289/mo
▼ 0.25% · 3.875%
HK$234,951
−HK$7,201/mo
Today · 4.125%
HK$242,152
baseline
▲ 0.50% · 4.625%
HK$256,886
+HK$14,734/mo
Deposit HK$5.55M · loan HK$49.96M · min. income ≈ HK$484,304/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$2,359,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,495
−HK$13,696/mo
▼ 0.25% · 3.875%
HK$260,294
−HK$6,897/mo
Today · 4.125%
HK$267,191
baseline
▲ 0.50% · 4.625%
HK$281,275
+HK$14,084/mo
Deposit HK$5.55M · loan HK$49.96M · min. income ≈ HK$534,382/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$2,359,428 · Scale 2, in force from 26 Feb 2026)