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$127,087
−HK$7,969/mo
▼ 0.25% · 3.875%
HK$131,040
−HK$4,016/mo
Today · 4.125%
HK$135,056
baseline
▲ 0.50% · 4.625%
HK$143,274
+HK$8,218/mo
Deposit HK$27.87M · loan HK$27.87M · min. income ≈ HK$270,112/mo (50% DSR)
Upfront cash ≈ HK$30.24M (deposit + AVD stamp duty HK$2,368,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,383
−HK$7,638/mo
▼ 0.25% · 3.875%
HK$145,175
−HK$3,846/mo
Today · 4.125%
HK$149,021
baseline
▲ 0.50% · 4.625%
HK$156,876
+HK$7,855/mo
Deposit HK$27.87M · loan HK$27.87M · min. income ≈ HK$298,042/mo (50% DSR)
Upfront cash ≈ HK$30.24M (deposit + AVD stamp duty HK$2,368,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,504
−HK$9,563/mo
▼ 0.25% · 3.875%
HK$157,248
−HK$4,819/mo
Today · 4.125%
HK$162,067
baseline
▲ 0.50% · 4.625%
HK$171,929
+HK$9,862/mo
Deposit HK$22.29M · loan HK$33.44M · min. income ≈ HK$324,134/mo (50% DSR)
Upfront cash ≈ HK$24.66M (deposit + AVD stamp duty HK$2,368,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,659
−HK$9,166/mo
▼ 0.25% · 3.875%
HK$174,209
−HK$4,616/mo
Today · 4.125%
HK$178,825
baseline
▲ 0.50% · 4.625%
HK$188,252
+HK$9,427/mo
Deposit HK$22.29M · loan HK$33.44M · min. income ≈ HK$357,650/mo (50% DSR)
Upfront cash ≈ HK$24.66M (deposit + AVD stamp duty HK$2,368,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,921
−HK$11,158/mo
▼ 0.25% · 3.875%
HK$183,456
−HK$5,623/mo
Today · 4.125%
HK$189,079
baseline
▲ 0.50% · 4.625%
HK$200,584
+HK$11,505/mo
Deposit HK$16.72M · loan HK$39.01M · min. income ≈ HK$378,158/mo (50% DSR)
Upfront cash ≈ HK$19.09M (deposit + AVD stamp duty HK$2,368,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,936
−HK$10,694/mo
▼ 0.25% · 3.875%
HK$203,244
−HK$5,386/mo
Today · 4.125%
HK$208,630
baseline
▲ 0.50% · 4.625%
HK$219,627
+HK$10,997/mo
Deposit HK$16.72M · loan HK$39.01M · min. income ≈ HK$417,260/mo (50% DSR)
Upfront cash ≈ HK$19.09M (deposit + AVD stamp duty HK$2,368,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,756
−HK$14,345/mo
▼ 0.25% · 3.875%
HK$235,872
−HK$7,229/mo
Today · 4.125%
HK$243,101
baseline
▲ 0.50% · 4.625%
HK$257,893
+HK$14,792/mo
Deposit HK$5.57M · loan HK$50.16M · min. income ≈ HK$486,202/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$2,368,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,489
−HK$13,749/mo
▼ 0.25% · 3.875%
HK$261,314
−HK$6,924/mo
Today · 4.125%
HK$268,238
baseline
▲ 0.50% · 4.625%
HK$282,377
+HK$14,139/mo
Deposit HK$5.57M · loan HK$50.16M · min. income ≈ HK$536,476/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$2,368,675 · Scale 2, in force from 26 Feb 2026)