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$125,035
−HK$7,841/mo
▼ 0.25% · 3.875%
HK$128,924
−HK$3,952/mo
Today · 4.125%
HK$132,876
baseline
▲ 0.50% · 4.625%
HK$140,961
+HK$8,085/mo
Deposit HK$27.42M · loan HK$27.42M · min. income ≈ HK$265,752/mo (50% DSR)
Upfront cash ≈ HK$29.75M (deposit + AVD stamp duty HK$2,330,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,100
−HK$7,515/mo
▼ 0.25% · 3.875%
HK$142,831
−HK$3,784/mo
Today · 4.125%
HK$146,615
baseline
▲ 0.50% · 4.625%
HK$154,343
+HK$7,728/mo
Deposit HK$27.42M · loan HK$27.42M · min. income ≈ HK$293,230/mo (50% DSR)
Upfront cash ≈ HK$29.75M (deposit + AVD stamp duty HK$2,330,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,042
−HK$9,409/mo
▼ 0.25% · 3.875%
HK$154,709
−HK$4,742/mo
Today · 4.125%
HK$159,451
baseline
▲ 0.50% · 4.625%
HK$169,153
+HK$9,702/mo
Deposit HK$21.93M · loan HK$32.90M · min. income ≈ HK$318,902/mo (50% DSR)
Upfront cash ≈ HK$24.26M (deposit + AVD stamp duty HK$2,330,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,920
−HK$9,018/mo
▼ 0.25% · 3.875%
HK$171,397
−HK$4,541/mo
Today · 4.125%
HK$175,938
baseline
▲ 0.50% · 4.625%
HK$185,212
+HK$9,274/mo
Deposit HK$21.93M · loan HK$32.90M · min. income ≈ HK$351,876/mo (50% DSR)
Upfront cash ≈ HK$24.26M (deposit + AVD stamp duty HK$2,330,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,049
−HK$10,977/mo
▼ 0.25% · 3.875%
HK$180,494
−HK$5,532/mo
Today · 4.125%
HK$186,026
baseline
▲ 0.50% · 4.625%
HK$197,345
+HK$11,319/mo
Deposit HK$16.45M · loan HK$38.38M · min. income ≈ HK$372,052/mo (50% DSR)
Upfront cash ≈ HK$18.78M (deposit + AVD stamp duty HK$2,330,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,740
−HK$10,521/mo
▼ 0.25% · 3.875%
HK$199,963
−HK$5,298/mo
Today · 4.125%
HK$205,261
baseline
▲ 0.50% · 4.625%
HK$216,081
+HK$10,820/mo
Deposit HK$16.45M · loan HK$38.38M · min. income ≈ HK$410,522/mo (50% DSR)
Upfront cash ≈ HK$18.78M (deposit + AVD stamp duty HK$2,330,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,063
−HK$14,113/mo
▼ 0.25% · 3.875%
HK$232,063
−HK$7,113/mo
Today · 4.125%
HK$239,176
baseline
▲ 0.50% · 4.625%
HK$253,729
+HK$14,553/mo
Deposit HK$5.48M · loan HK$49.35M · min. income ≈ HK$478,352/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$2,330,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,380
−HK$13,527/mo
▼ 0.25% · 3.875%
HK$257,095
−HK$6,812/mo
Today · 4.125%
HK$263,907
baseline
▲ 0.50% · 4.625%
HK$277,818
+HK$13,911/mo
Deposit HK$5.48M · loan HK$49.35M · min. income ≈ HK$527,814/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$2,330,430 · Scale 2, in force from 26 Feb 2026)