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$125,568
−HK$7,874/mo
▼ 0.25% · 3.875%
HK$129,474
−HK$3,968/mo
Today · 4.125%
HK$133,442
baseline
▲ 0.50% · 4.625%
HK$141,561
+HK$8,119/mo
Deposit HK$27.53M · loan HK$27.53M · min. income ≈ HK$266,884/mo (50% DSR)
Upfront cash ≈ HK$29.87M (deposit + AVD stamp duty HK$2,340,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,693
−HK$7,547/mo
▼ 0.25% · 3.875%
HK$143,439
−HK$3,801/mo
Today · 4.125%
HK$147,240
baseline
▲ 0.50% · 4.625%
HK$155,001
+HK$7,761/mo
Deposit HK$27.53M · loan HK$27.53M · min. income ≈ HK$294,480/mo (50% DSR)
Upfront cash ≈ HK$29.87M (deposit + AVD stamp duty HK$2,340,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,681
−HK$9,449/mo
▼ 0.25% · 3.875%
HK$155,368
−HK$4,762/mo
Today · 4.125%
HK$160,130
baseline
▲ 0.50% · 4.625%
HK$169,874
+HK$9,744/mo
Deposit HK$22.03M · loan HK$33.04M · min. income ≈ HK$320,260/mo (50% DSR)
Upfront cash ≈ HK$24.37M (deposit + AVD stamp duty HK$2,340,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,631
−HK$9,057/mo
▼ 0.25% · 3.875%
HK$172,127
−HK$4,561/mo
Today · 4.125%
HK$176,688
baseline
▲ 0.50% · 4.625%
HK$186,001
+HK$9,313/mo
Deposit HK$22.03M · loan HK$33.04M · min. income ≈ HK$353,376/mo (50% DSR)
Upfront cash ≈ HK$24.37M (deposit + AVD stamp duty HK$2,340,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,795
−HK$11,024/mo
▼ 0.25% · 3.875%
HK$181,263
−HK$5,556/mo
Today · 4.125%
HK$186,819
baseline
▲ 0.50% · 4.625%
HK$198,186
+HK$11,367/mo
Deposit HK$16.52M · loan HK$38.55M · min. income ≈ HK$373,638/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$2,340,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,570
−HK$10,566/mo
▼ 0.25% · 3.875%
HK$200,815
−HK$5,321/mo
Today · 4.125%
HK$206,136
baseline
▲ 0.50% · 4.625%
HK$217,002
+HK$10,866/mo
Deposit HK$16.52M · loan HK$38.55M · min. income ≈ HK$412,272/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$2,340,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,022
−HK$14,173/mo
▼ 0.25% · 3.875%
HK$233,052
−HK$7,143/mo
Today · 4.125%
HK$240,195
baseline
▲ 0.50% · 4.625%
HK$254,811
+HK$14,616/mo
Deposit HK$5.51M · loan HK$49.56M · min. income ≈ HK$480,390/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$2,340,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,447
−HK$13,585/mo
▼ 0.25% · 3.875%
HK$258,191
−HK$6,841/mo
Today · 4.125%
HK$265,032
baseline
▲ 0.50% · 4.625%
HK$279,002
+HK$13,970/mo
Deposit HK$5.51M · loan HK$49.56M · min. income ≈ HK$530,064/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$2,340,362 · Scale 2, in force from 26 Feb 2026)