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$123,226
−HK$7,727/mo
▼ 0.25% · 3.875%
HK$127,059
−HK$3,894/mo
Today · 4.125%
HK$130,953
baseline
▲ 0.50% · 4.625%
HK$138,921
+HK$7,968/mo
Deposit HK$27.02M · loan HK$27.02M · min. income ≈ HK$261,906/mo (50% DSR)
Upfront cash ≈ HK$29.32M (deposit + AVD stamp duty HK$2,296,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,087
−HK$7,407/mo
▼ 0.25% · 3.875%
HK$140,764
−HK$3,730/mo
Today · 4.125%
HK$144,494
baseline
▲ 0.50% · 4.625%
HK$152,110
+HK$7,616/mo
Deposit HK$27.02M · loan HK$27.02M · min. income ≈ HK$288,988/mo (50% DSR)
Upfront cash ≈ HK$29.32M (deposit + AVD stamp duty HK$2,296,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,871
−HK$9,273/mo
▼ 0.25% · 3.875%
HK$152,470
−HK$4,674/mo
Today · 4.125%
HK$157,144
baseline
▲ 0.50% · 4.625%
HK$166,705
+HK$9,561/mo
Deposit HK$21.62M · loan HK$32.42M · min. income ≈ HK$314,288/mo (50% DSR)
Upfront cash ≈ HK$23.91M (deposit + AVD stamp duty HK$2,296,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,505
−HK$8,887/mo
▼ 0.25% · 3.875%
HK$168,917
−HK$4,475/mo
Today · 4.125%
HK$173,392
baseline
▲ 0.50% · 4.625%
HK$182,532
+HK$9,140/mo
Deposit HK$21.62M · loan HK$32.42M · min. income ≈ HK$346,784/mo (50% DSR)
Upfront cash ≈ HK$23.91M (deposit + AVD stamp duty HK$2,296,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,516
−HK$10,818/mo
▼ 0.25% · 3.875%
HK$177,882
−HK$5,452/mo
Today · 4.125%
HK$183,334
baseline
▲ 0.50% · 4.625%
HK$194,490
+HK$11,156/mo
Deposit HK$16.21M · loan HK$37.83M · min. income ≈ HK$366,668/mo (50% DSR)
Upfront cash ≈ HK$18.51M (deposit + AVD stamp duty HK$2,296,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,922
−HK$10,369/mo
▼ 0.25% · 3.875%
HK$197,069
−HK$5,222/mo
Today · 4.125%
HK$202,291
baseline
▲ 0.50% · 4.625%
HK$212,954
+HK$10,663/mo
Deposit HK$16.21M · loan HK$37.83M · min. income ≈ HK$404,582/mo (50% DSR)
Upfront cash ≈ HK$18.51M (deposit + AVD stamp duty HK$2,296,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,806
−HK$13,909/mo
▼ 0.25% · 3.875%
HK$228,706
−HK$7,009/mo
Today · 4.125%
HK$235,715
baseline
▲ 0.50% · 4.625%
HK$250,058
+HK$14,343/mo
Deposit HK$5.40M · loan HK$48.64M · min. income ≈ HK$471,430/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$2,296,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,757
−HK$13,332/mo
▼ 0.25% · 3.875%
HK$253,375
−HK$6,714/mo
Today · 4.125%
HK$260,089
baseline
▲ 0.50% · 4.625%
HK$273,798
+HK$13,709/mo
Deposit HK$5.40M · loan HK$48.64M · min. income ≈ HK$520,178/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$2,296,711 · Scale 2, in force from 26 Feb 2026)