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$124,667
−HK$7,817/mo
▼ 0.25% · 3.875%
HK$128,544
−HK$3,940/mo
Today · 4.125%
HK$132,484
baseline
▲ 0.50% · 4.625%
HK$140,546
+HK$8,062/mo
Deposit HK$27.34M · loan HK$27.34M · min. income ≈ HK$264,968/mo (50% DSR)
Upfront cash ≈ HK$29.66M (deposit + AVD stamp duty HK$2,323,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,690
−HK$7,493/mo
▼ 0.25% · 3.875%
HK$142,410
−HK$3,773/mo
Today · 4.125%
HK$146,183
baseline
▲ 0.50% · 4.625%
HK$153,889
+HK$7,706/mo
Deposit HK$27.34M · loan HK$27.34M · min. income ≈ HK$292,366/mo (50% DSR)
Upfront cash ≈ HK$29.66M (deposit + AVD stamp duty HK$2,323,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,600
−HK$9,381/mo
▼ 0.25% · 3.875%
HK$154,253
−HK$4,728/mo
Today · 4.125%
HK$158,981
baseline
▲ 0.50% · 4.625%
HK$168,655
+HK$9,674/mo
Deposit HK$21.87M · loan HK$32.80M · min. income ≈ HK$317,962/mo (50% DSR)
Upfront cash ≈ HK$24.19M (deposit + AVD stamp duty HK$2,323,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,428
−HK$8,992/mo
▼ 0.25% · 3.875%
HK$170,892
−HK$4,528/mo
Today · 4.125%
HK$175,420
baseline
▲ 0.50% · 4.625%
HK$184,667
+HK$9,247/mo
Deposit HK$21.87M · loan HK$32.80M · min. income ≈ HK$350,840/mo (50% DSR)
Upfront cash ≈ HK$24.19M (deposit + AVD stamp duty HK$2,323,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,533
−HK$10,945/mo
▼ 0.25% · 3.875%
HK$179,962
−HK$5,516/mo
Today · 4.125%
HK$185,478
baseline
▲ 0.50% · 4.625%
HK$196,764
+HK$11,286/mo
Deposit HK$16.40M · loan HK$38.27M · min. income ≈ HK$370,956/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$2,323,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,166
−HK$10,491/mo
▼ 0.25% · 3.875%
HK$199,374
−HK$5,283/mo
Today · 4.125%
HK$204,657
baseline
▲ 0.50% · 4.625%
HK$215,444
+HK$10,787/mo
Deposit HK$16.40M · loan HK$38.27M · min. income ≈ HK$409,314/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$2,323,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,400
−HK$14,072/mo
▼ 0.25% · 3.875%
HK$231,380
−HK$7,092/mo
Today · 4.125%
HK$238,472
baseline
▲ 0.50% · 4.625%
HK$252,982
+HK$14,510/mo
Deposit HK$5.47M · loan HK$49.20M · min. income ≈ HK$476,944/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$2,323,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,642
−HK$13,488/mo
▼ 0.25% · 3.875%
HK$256,338
−HK$6,792/mo
Today · 4.125%
HK$263,130
baseline
▲ 0.50% · 4.625%
HK$277,000
+HK$13,870/mo
Deposit HK$5.47M · loan HK$49.20M · min. income ≈ HK$526,260/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$2,323,567 · Scale 2, in force from 26 Feb 2026)