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$127,586
−HK$8,000/mo
▼ 0.25% · 3.875%
HK$131,554
−HK$4,032/mo
Today · 4.125%
HK$135,586
baseline
▲ 0.50% · 4.625%
HK$143,836
+HK$8,250/mo
Deposit HK$27.98M · loan HK$27.98M · min. income ≈ HK$271,172/mo (50% DSR)
Upfront cash ≈ HK$30.35M (deposit + AVD stamp duty HK$2,377,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,938
−HK$7,668/mo
▼ 0.25% · 3.875%
HK$145,744
−HK$3,862/mo
Today · 4.125%
HK$149,606
baseline
▲ 0.50% · 4.625%
HK$157,492
+HK$7,886/mo
Deposit HK$27.98M · loan HK$27.98M · min. income ≈ HK$299,212/mo (50% DSR)
Upfront cash ≈ HK$30.35M (deposit + AVD stamp duty HK$2,377,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,103
−HK$9,601/mo
▼ 0.25% · 3.875%
HK$157,865
−HK$4,839/mo
Today · 4.125%
HK$162,704
baseline
▲ 0.50% · 4.625%
HK$172,604
+HK$9,900/mo
Deposit HK$22.38M · loan HK$33.57M · min. income ≈ HK$325,408/mo (50% DSR)
Upfront cash ≈ HK$24.76M (deposit + AVD stamp duty HK$2,377,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,325
−HK$9,202/mo
▼ 0.25% · 3.875%
HK$174,893
−HK$4,634/mo
Today · 4.125%
HK$179,527
baseline
▲ 0.50% · 4.625%
HK$188,990
+HK$9,463/mo
Deposit HK$22.38M · loan HK$33.57M · min. income ≈ HK$359,054/mo (50% DSR)
Upfront cash ≈ HK$24.76M (deposit + AVD stamp duty HK$2,377,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,620
−HK$11,201/mo
▼ 0.25% · 3.875%
HK$184,176
−HK$5,645/mo
Today · 4.125%
HK$189,821
baseline
▲ 0.50% · 4.625%
HK$201,371
+HK$11,550/mo
Deposit HK$16.79M · loan HK$39.17M · min. income ≈ HK$379,642/mo (50% DSR)
Upfront cash ≈ HK$19.16M (deposit + AVD stamp duty HK$2,377,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,713
−HK$10,736/mo
▼ 0.25% · 3.875%
HK$204,042
−HK$5,407/mo
Today · 4.125%
HK$209,449
baseline
▲ 0.50% · 4.625%
HK$220,489
+HK$11,040/mo
Deposit HK$16.79M · loan HK$39.17M · min. income ≈ HK$418,898/mo (50% DSR)
Upfront cash ≈ HK$19.16M (deposit + AVD stamp duty HK$2,377,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,654
−HK$14,401/mo
▼ 0.25% · 3.875%
HK$236,798
−HK$7,257/mo
Today · 4.125%
HK$244,055
baseline
▲ 0.50% · 4.625%
HK$258,906
+HK$14,851/mo
Deposit HK$5.60M · loan HK$50.36M · min. income ≈ HK$488,110/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$2,377,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,488
−HK$13,803/mo
▼ 0.25% · 3.875%
HK$262,340
−HK$6,951/mo
Today · 4.125%
HK$269,291
baseline
▲ 0.50% · 4.625%
HK$283,486
+HK$14,195/mo
Deposit HK$5.60M · loan HK$50.36M · min. income ≈ HK$538,582/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$2,377,973 · Scale 2, in force from 26 Feb 2026)