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$125,197
−HK$7,851/mo
▼ 0.25% · 3.875%
HK$129,091
−HK$3,957/mo
Today · 4.125%
HK$133,048
baseline
▲ 0.50% · 4.625%
HK$141,144
+HK$8,096/mo
Deposit HK$27.45M · loan HK$27.45M · min. income ≈ HK$266,096/mo (50% DSR)
Upfront cash ≈ HK$29.79M (deposit + AVD stamp duty HK$2,333,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,280
−HK$7,525/mo
▼ 0.25% · 3.875%
HK$143,016
−HK$3,789/mo
Today · 4.125%
HK$146,805
baseline
▲ 0.50% · 4.625%
HK$154,544
+HK$7,739/mo
Deposit HK$27.45M · loan HK$27.45M · min. income ≈ HK$293,610/mo (50% DSR)
Upfront cash ≈ HK$29.79M (deposit + AVD stamp duty HK$2,333,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,236
−HK$9,422/mo
▼ 0.25% · 3.875%
HK$154,910
−HK$4,748/mo
Today · 4.125%
HK$159,658
baseline
▲ 0.50% · 4.625%
HK$169,372
+HK$9,714/mo
Deposit HK$21.96M · loan HK$32.94M · min. income ≈ HK$319,316/mo (50% DSR)
Upfront cash ≈ HK$24.30M (deposit + AVD stamp duty HK$2,333,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,137
−HK$9,029/mo
▼ 0.25% · 3.875%
HK$171,619
−HK$4,547/mo
Today · 4.125%
HK$176,166
baseline
▲ 0.50% · 4.625%
HK$185,452
+HK$9,286/mo
Deposit HK$21.96M · loan HK$32.94M · min. income ≈ HK$352,332/mo (50% DSR)
Upfront cash ≈ HK$24.30M (deposit + AVD stamp duty HK$2,333,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,276
−HK$10,991/mo
▼ 0.25% · 3.875%
HK$180,728
−HK$5,539/mo
Today · 4.125%
HK$186,267
baseline
▲ 0.50% · 4.625%
HK$197,601
+HK$11,334/mo
Deposit HK$16.47M · loan HK$38.43M · min. income ≈ HK$372,534/mo (50% DSR)
Upfront cash ≈ HK$18.80M (deposit + AVD stamp duty HK$2,333,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,993
−HK$10,535/mo
▼ 0.25% · 3.875%
HK$200,222
−HK$5,306/mo
Today · 4.125%
HK$205,528
baseline
▲ 0.50% · 4.625%
HK$216,361
+HK$10,833/mo
Deposit HK$16.47M · loan HK$38.43M · min. income ≈ HK$411,056/mo (50% DSR)
Upfront cash ≈ HK$18.80M (deposit + AVD stamp duty HK$2,333,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,355
−HK$14,131/mo
▼ 0.25% · 3.875%
HK$232,365
−HK$7,121/mo
Today · 4.125%
HK$239,486
baseline
▲ 0.50% · 4.625%
HK$254,059
+HK$14,573/mo
Deposit HK$5.49M · loan HK$49.41M · min. income ≈ HK$478,972/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$2,333,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,705
−HK$13,545/mo
▼ 0.25% · 3.875%
HK$257,429
−HK$6,821/mo
Today · 4.125%
HK$264,250
baseline
▲ 0.50% · 4.625%
HK$278,179
+HK$13,929/mo
Deposit HK$5.49M · loan HK$49.41M · min. income ≈ HK$528,500/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$2,333,455 · Scale 2, in force from 26 Feb 2026)