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$123,379
−HK$7,737/mo
▼ 0.25% · 3.875%
HK$127,217
−HK$3,899/mo
Today · 4.125%
HK$131,116
baseline
▲ 0.50% · 4.625%
HK$139,094
+HK$7,978/mo
Deposit HK$27.05M · loan HK$27.05M · min. income ≈ HK$262,232/mo (50% DSR)
Upfront cash ≈ HK$29.35M (deposit + AVD stamp duty HK$2,299,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,258
−HK$7,415/mo
▼ 0.25% · 3.875%
HK$140,939
−HK$3,734/mo
Today · 4.125%
HK$144,673
baseline
▲ 0.50% · 4.625%
HK$152,299
+HK$7,626/mo
Deposit HK$27.05M · loan HK$27.05M · min. income ≈ HK$289,346/mo (50% DSR)
Upfront cash ≈ HK$29.35M (deposit + AVD stamp duty HK$2,299,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,055
−HK$9,284/mo
▼ 0.25% · 3.875%
HK$152,660
−HK$4,679/mo
Today · 4.125%
HK$157,339
baseline
▲ 0.50% · 4.625%
HK$166,913
+HK$9,574/mo
Deposit HK$21.64M · loan HK$32.46M · min. income ≈ HK$314,678/mo (50% DSR)
Upfront cash ≈ HK$23.94M (deposit + AVD stamp duty HK$2,299,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,709
−HK$8,899/mo
▼ 0.25% · 3.875%
HK$169,127
−HK$4,481/mo
Today · 4.125%
HK$173,608
baseline
▲ 0.50% · 4.625%
HK$182,759
+HK$9,151/mo
Deposit HK$21.64M · loan HK$32.46M · min. income ≈ HK$347,216/mo (50% DSR)
Upfront cash ≈ HK$23.94M (deposit + AVD stamp duty HK$2,299,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,730
−HK$10,832/mo
▼ 0.25% · 3.875%
HK$178,103
−HK$5,459/mo
Today · 4.125%
HK$183,562
baseline
▲ 0.50% · 4.625%
HK$194,731
+HK$11,169/mo
Deposit HK$16.23M · loan HK$37.88M · min. income ≈ HK$367,124/mo (50% DSR)
Upfront cash ≈ HK$18.53M (deposit + AVD stamp duty HK$2,299,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,161
−HK$10,382/mo
▼ 0.25% · 3.875%
HK$197,314
−HK$5,229/mo
Today · 4.125%
HK$202,543
baseline
▲ 0.50% · 4.625%
HK$213,219
+HK$10,676/mo
Deposit HK$16.23M · loan HK$37.88M · min. income ≈ HK$405,086/mo (50% DSR)
Upfront cash ≈ HK$18.53M (deposit + AVD stamp duty HK$2,299,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,082
−HK$13,926/mo
▼ 0.25% · 3.875%
HK$228,990
−HK$7,018/mo
Today · 4.125%
HK$236,008
baseline
▲ 0.50% · 4.625%
HK$250,369
+HK$14,361/mo
Deposit HK$5.41M · loan HK$48.70M · min. income ≈ HK$472,016/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$2,299,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,064
−HK$13,348/mo
▼ 0.25% · 3.875%
HK$253,690
−HK$6,722/mo
Today · 4.125%
HK$260,412
baseline
▲ 0.50% · 4.625%
HK$274,139
+HK$13,727/mo
Deposit HK$5.41M · loan HK$48.70M · min. income ≈ HK$520,824/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$2,299,566 · Scale 2, in force from 26 Feb 2026)