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$123,760
−HK$7,761/mo
▼ 0.25% · 3.875%
HK$127,609
−HK$3,912/mo
Today · 4.125%
HK$131,521
baseline
▲ 0.50% · 4.625%
HK$139,523
+HK$8,002/mo
Deposit HK$27.14M · loan HK$27.14M · min. income ≈ HK$263,042/mo (50% DSR)
Upfront cash ≈ HK$29.44M (deposit + AVD stamp duty HK$2,306,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,682
−HK$7,438/mo
▼ 0.25% · 3.875%
HK$141,374
−HK$3,746/mo
Today · 4.125%
HK$145,120
baseline
▲ 0.50% · 4.625%
HK$152,770
+HK$7,650/mo
Deposit HK$27.14M · loan HK$27.14M · min. income ≈ HK$290,240/mo (50% DSR)
Upfront cash ≈ HK$29.44M (deposit + AVD stamp duty HK$2,306,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,512
−HK$9,313/mo
▼ 0.25% · 3.875%
HK$153,131
−HK$4,694/mo
Today · 4.125%
HK$157,825
baseline
▲ 0.50% · 4.625%
HK$167,428
+HK$9,603/mo
Deposit HK$21.71M · loan HK$32.56M · min. income ≈ HK$315,650/mo (50% DSR)
Upfront cash ≈ HK$24.02M (deposit + AVD stamp duty HK$2,306,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,218
−HK$8,926/mo
▼ 0.25% · 3.875%
HK$169,649
−HK$4,495/mo
Today · 4.125%
HK$174,144
baseline
▲ 0.50% · 4.625%
HK$183,323
+HK$9,179/mo
Deposit HK$21.71M · loan HK$32.56M · min. income ≈ HK$348,288/mo (50% DSR)
Upfront cash ≈ HK$24.02M (deposit + AVD stamp duty HK$2,306,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,264
−HK$10,865/mo
▼ 0.25% · 3.875%
HK$178,653
−HK$5,476/mo
Today · 4.125%
HK$184,129
baseline
▲ 0.50% · 4.625%
HK$195,333
+HK$11,204/mo
Deposit HK$16.28M · loan HK$37.99M · min. income ≈ HK$368,258/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$2,306,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,754
−HK$10,414/mo
▼ 0.25% · 3.875%
HK$197,924
−HK$5,244/mo
Today · 4.125%
HK$203,168
baseline
▲ 0.50% · 4.625%
HK$213,877
+HK$10,709/mo
Deposit HK$16.28M · loan HK$37.99M · min. income ≈ HK$406,336/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$2,306,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,768
−HK$13,969/mo
▼ 0.25% · 3.875%
HK$229,697
−HK$7,040/mo
Today · 4.125%
HK$236,737
baseline
▲ 0.50% · 4.625%
HK$251,142
+HK$14,405/mo
Deposit HK$5.43M · loan HK$48.85M · min. income ≈ HK$473,474/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$2,306,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,827
−HK$13,389/mo
▼ 0.25% · 3.875%
HK$254,473
−HK$6,743/mo
Today · 4.125%
HK$261,216
baseline
▲ 0.50% · 4.625%
HK$274,985
+HK$13,769/mo
Deposit HK$5.43M · loan HK$48.85M · min. income ≈ HK$522,432/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$2,306,667 · Scale 2, in force from 26 Feb 2026)