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$126,733
−HK$7,947/mo
▼ 0.25% · 3.875%
HK$130,675
−HK$4,005/mo
Today · 4.125%
HK$134,680
baseline
▲ 0.50% · 4.625%
HK$142,875
+HK$8,195/mo
Deposit HK$27.79M · loan HK$27.79M · min. income ≈ HK$269,360/mo (50% DSR)
Upfront cash ≈ HK$30.15M (deposit + AVD stamp duty HK$2,362,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,989
−HK$7,617/mo
▼ 0.25% · 3.875%
HK$144,770
−HK$3,836/mo
Today · 4.125%
HK$148,606
baseline
▲ 0.50% · 4.625%
HK$156,439
+HK$7,833/mo
Deposit HK$27.79M · loan HK$27.79M · min. income ≈ HK$297,212/mo (50% DSR)
Upfront cash ≈ HK$30.15M (deposit + AVD stamp duty HK$2,362,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,079
−HK$9,537/mo
▼ 0.25% · 3.875%
HK$156,810
−HK$4,806/mo
Today · 4.125%
HK$161,616
baseline
▲ 0.50% · 4.625%
HK$171,450
+HK$9,834/mo
Deposit HK$22.23M · loan HK$33.35M · min. income ≈ HK$323,232/mo (50% DSR)
Upfront cash ≈ HK$24.59M (deposit + AVD stamp duty HK$2,362,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,186
−HK$9,141/mo
▼ 0.25% · 3.875%
HK$173,724
−HK$4,603/mo
Today · 4.125%
HK$178,327
baseline
▲ 0.50% · 4.625%
HK$187,727
+HK$9,400/mo
Deposit HK$22.23M · loan HK$33.35M · min. income ≈ HK$356,654/mo (50% DSR)
Upfront cash ≈ HK$24.59M (deposit + AVD stamp duty HK$2,362,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,426
−HK$11,126/mo
▼ 0.25% · 3.875%
HK$182,945
−HK$5,607/mo
Today · 4.125%
HK$188,552
baseline
▲ 0.50% · 4.625%
HK$200,025
+HK$11,473/mo
Deposit HK$16.67M · loan HK$38.90M · min. income ≈ HK$377,104/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$2,362,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,384
−HK$10,664/mo
▼ 0.25% · 3.875%
HK$202,678
−HK$5,370/mo
Today · 4.125%
HK$208,048
baseline
▲ 0.50% · 4.625%
HK$219,015
+HK$10,967/mo
Deposit HK$16.67M · loan HK$38.90M · min. income ≈ HK$416,096/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$2,362,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,119
−HK$14,305/mo
▼ 0.25% · 3.875%
HK$235,214
−HK$7,210/mo
Today · 4.125%
HK$242,424
baseline
▲ 0.50% · 4.625%
HK$257,175
+HK$14,751/mo
Deposit HK$5.56M · loan HK$50.02M · min. income ≈ HK$484,848/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$2,362,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,780
−HK$13,711/mo
▼ 0.25% · 3.875%
HK$260,586
−HK$6,905/mo
Today · 4.125%
HK$267,491
baseline
▲ 0.50% · 4.625%
HK$281,590
+HK$14,099/mo
Deposit HK$5.56M · loan HK$50.02M · min. income ≈ HK$534,982/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$2,362,074 · Scale 2, in force from 26 Feb 2026)