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$123,938
−HK$7,772/mo
▼ 0.25% · 3.875%
HK$127,793
−HK$3,917/mo
Today · 4.125%
HK$131,710
baseline
▲ 0.50% · 4.625%
HK$139,725
+HK$8,015/mo
Deposit HK$27.18M · loan HK$27.18M · min. income ≈ HK$263,420/mo (50% DSR)
Upfront cash ≈ HK$29.49M (deposit + AVD stamp duty HK$2,309,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,880
−HK$7,449/mo
▼ 0.25% · 3.875%
HK$141,578
−HK$3,751/mo
Today · 4.125%
HK$145,329
baseline
▲ 0.50% · 4.625%
HK$152,990
+HK$7,661/mo
Deposit HK$27.18M · loan HK$27.18M · min. income ≈ HK$290,658/mo (50% DSR)
Upfront cash ≈ HK$29.49M (deposit + AVD stamp duty HK$2,309,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,726
−HK$9,326/mo
▼ 0.25% · 3.875%
HK$153,352
−HK$4,700/mo
Today · 4.125%
HK$158,052
baseline
▲ 0.50% · 4.625%
HK$167,669
+HK$9,617/mo
Deposit HK$21.74M · loan HK$32.61M · min. income ≈ HK$316,104/mo (50% DSR)
Upfront cash ≈ HK$24.05M (deposit + AVD stamp duty HK$2,309,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,456
−HK$8,939/mo
▼ 0.25% · 3.875%
HK$169,894
−HK$4,501/mo
Today · 4.125%
HK$174,395
baseline
▲ 0.50% · 4.625%
HK$183,588
+HK$9,193/mo
Deposit HK$21.74M · loan HK$32.61M · min. income ≈ HK$348,790/mo (50% DSR)
Upfront cash ≈ HK$24.05M (deposit + AVD stamp duty HK$2,309,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,514
−HK$10,880/mo
▼ 0.25% · 3.875%
HK$178,911
−HK$5,483/mo
Today · 4.125%
HK$184,394
baseline
▲ 0.50% · 4.625%
HK$195,614
+HK$11,220/mo
Deposit HK$16.31M · loan HK$38.05M · min. income ≈ HK$368,788/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$2,309,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,032
−HK$10,429/mo
▼ 0.25% · 3.875%
HK$198,209
−HK$5,252/mo
Today · 4.125%
HK$203,461
baseline
▲ 0.50% · 4.625%
HK$214,186
+HK$10,725/mo
Deposit HK$16.31M · loan HK$38.05M · min. income ≈ HK$406,922/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$2,309,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,089
−HK$13,989/mo
▼ 0.25% · 3.875%
HK$230,028
−HK$7,050/mo
Today · 4.125%
HK$237,078
baseline
▲ 0.50% · 4.625%
HK$251,504
+HK$14,426/mo
Deposit HK$5.44M · loan HK$48.92M · min. income ≈ HK$474,156/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$2,309,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,184
−HK$13,409/mo
▼ 0.25% · 3.875%
HK$254,840
−HK$6,753/mo
Today · 4.125%
HK$261,593
baseline
▲ 0.50% · 4.625%
HK$275,382
+HK$13,789/mo
Deposit HK$5.44M · loan HK$48.92M · min. income ≈ HK$523,186/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$2,309,993 · Scale 2, in force from 26 Feb 2026)