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$126,296
−HK$7,920/mo
▼ 0.25% · 3.875%
HK$130,225
−HK$3,991/mo
Today · 4.125%
HK$134,216
baseline
▲ 0.50% · 4.625%
HK$142,383
+HK$8,167/mo
Deposit HK$27.69M · loan HK$27.69M · min. income ≈ HK$268,432/mo (50% DSR)
Upfront cash ≈ HK$30.05M (deposit + AVD stamp duty HK$2,353,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,503
−HK$7,591/mo
▼ 0.25% · 3.875%
HK$144,272
−HK$3,822/mo
Today · 4.125%
HK$148,094
baseline
▲ 0.50% · 4.625%
HK$155,901
+HK$7,807/mo
Deposit HK$27.69M · loan HK$27.69M · min. income ≈ HK$296,188/mo (50% DSR)
Upfront cash ≈ HK$30.05M (deposit + AVD stamp duty HK$2,353,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,556
−HK$9,503/mo
▼ 0.25% · 3.875%
HK$156,270
−HK$4,789/mo
Today · 4.125%
HK$161,059
baseline
▲ 0.50% · 4.625%
HK$170,860
+HK$9,801/mo
Deposit HK$22.15M · loan HK$33.23M · min. income ≈ HK$322,118/mo (50% DSR)
Upfront cash ≈ HK$24.51M (deposit + AVD stamp duty HK$2,353,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,604
−HK$9,109/mo
▼ 0.25% · 3.875%
HK$173,126
−HK$4,587/mo
Today · 4.125%
HK$177,713
baseline
▲ 0.50% · 4.625%
HK$187,081
+HK$9,368/mo
Deposit HK$22.15M · loan HK$33.23M · min. income ≈ HK$355,426/mo (50% DSR)
Upfront cash ≈ HK$24.51M (deposit + AVD stamp duty HK$2,353,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,815
−HK$11,088/mo
▼ 0.25% · 3.875%
HK$182,315
−HK$5,588/mo
Today · 4.125%
HK$187,903
baseline
▲ 0.50% · 4.625%
HK$199,336
+HK$11,433/mo
Deposit HK$16.62M · loan HK$38.77M · min. income ≈ HK$375,806/mo (50% DSR)
Upfront cash ≈ HK$18.97M (deposit + AVD stamp duty HK$2,353,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,705
−HK$10,627/mo
▼ 0.25% · 3.875%
HK$201,980
−HK$5,352/mo
Today · 4.125%
HK$207,332
baseline
▲ 0.50% · 4.625%
HK$218,261
+HK$10,929/mo
Deposit HK$16.62M · loan HK$38.77M · min. income ≈ HK$414,664/mo (50% DSR)
Upfront cash ≈ HK$18.97M (deposit + AVD stamp duty HK$2,353,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,333
−HK$14,256/mo
▼ 0.25% · 3.875%
HK$234,405
−HK$7,184/mo
Today · 4.125%
HK$241,589
baseline
▲ 0.50% · 4.625%
HK$256,289
+HK$14,700/mo
Deposit HK$5.54M · loan HK$49.85M · min. income ≈ HK$483,178/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$2,353,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,906
−HK$13,664/mo
▼ 0.25% · 3.875%
HK$259,689
−HK$6,881/mo
Today · 4.125%
HK$266,570
baseline
▲ 0.50% · 4.625%
HK$280,621
+HK$14,051/mo
Deposit HK$5.54M · loan HK$49.85M · min. income ≈ HK$533,140/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$2,353,943 · Scale 2, in force from 26 Feb 2026)