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$126,421
−HK$7,928/mo
▼ 0.25% · 3.875%
HK$130,353
−HK$3,996/mo
Today · 4.125%
HK$134,349
baseline
▲ 0.50% · 4.625%
HK$142,524
+HK$8,175/mo
Deposit HK$27.72M · loan HK$27.72M · min. income ≈ HK$268,698/mo (50% DSR)
Upfront cash ≈ HK$30.08M (deposit + AVD stamp duty HK$2,356,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,642
−HK$7,599/mo
▼ 0.25% · 3.875%
HK$144,414
−HK$3,827/mo
Today · 4.125%
HK$148,241
baseline
▲ 0.50% · 4.625%
HK$156,055
+HK$7,814/mo
Deposit HK$27.72M · loan HK$27.72M · min. income ≈ HK$296,482/mo (50% DSR)
Upfront cash ≈ HK$30.08M (deposit + AVD stamp duty HK$2,356,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,705
−HK$9,513/mo
▼ 0.25% · 3.875%
HK$156,424
−HK$4,794/mo
Today · 4.125%
HK$161,218
baseline
▲ 0.50% · 4.625%
HK$171,028
+HK$9,810/mo
Deposit HK$22.18M · loan HK$33.26M · min. income ≈ HK$322,436/mo (50% DSR)
Upfront cash ≈ HK$24.53M (deposit + AVD stamp duty HK$2,356,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,771
−HK$9,118/mo
▼ 0.25% · 3.875%
HK$173,297
−HK$4,592/mo
Today · 4.125%
HK$177,889
baseline
▲ 0.50% · 4.625%
HK$187,265
+HK$9,376/mo
Deposit HK$22.18M · loan HK$33.26M · min. income ≈ HK$355,778/mo (50% DSR)
Upfront cash ≈ HK$24.53M (deposit + AVD stamp duty HK$2,356,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,989
−HK$11,099/mo
▼ 0.25% · 3.875%
HK$182,495
−HK$5,593/mo
Today · 4.125%
HK$188,088
baseline
▲ 0.50% · 4.625%
HK$199,533
+HK$11,445/mo
Deposit HK$16.63M · loan HK$38.81M · min. income ≈ HK$376,176/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$2,356,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,899
−HK$10,638/mo
▼ 0.25% · 3.875%
HK$202,180
−HK$5,357/mo
Today · 4.125%
HK$207,537
baseline
▲ 0.50% · 4.625%
HK$218,476
+HK$10,939/mo
Deposit HK$16.63M · loan HK$38.81M · min. income ≈ HK$415,074/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$2,356,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,558
−HK$14,270/mo
▼ 0.25% · 3.875%
HK$234,636
−HK$7,192/mo
Today · 4.125%
HK$241,828
baseline
▲ 0.50% · 4.625%
HK$256,542
+HK$14,714/mo
Deposit HK$5.54M · loan HK$49.90M · min. income ≈ HK$483,656/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$2,356,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,156
−HK$13,677/mo
▼ 0.25% · 3.875%
HK$259,945
−HK$6,888/mo
Today · 4.125%
HK$266,833
baseline
▲ 0.50% · 4.625%
HK$280,898
+HK$14,065/mo
Deposit HK$5.54M · loan HK$49.90M · min. income ≈ HK$533,666/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$2,356,267 · Scale 2, in force from 26 Feb 2026)