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$123,532
−HK$7,747/mo
▼ 0.25% · 3.875%
HK$127,375
−HK$3,904/mo
Today · 4.125%
HK$131,279
baseline
▲ 0.50% · 4.625%
HK$139,267
+HK$7,988/mo
Deposit HK$27.09M · loan HK$27.09M · min. income ≈ HK$262,558/mo (50% DSR)
Upfront cash ≈ HK$29.39M (deposit + AVD stamp duty HK$2,302,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,428
−HK$7,425/mo
▼ 0.25% · 3.875%
HK$141,114
−HK$3,739/mo
Today · 4.125%
HK$144,853
baseline
▲ 0.50% · 4.625%
HK$152,488
+HK$7,635/mo
Deposit HK$27.09M · loan HK$27.09M · min. income ≈ HK$289,706/mo (50% DSR)
Upfront cash ≈ HK$29.39M (deposit + AVD stamp duty HK$2,302,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,239
−HK$9,295/mo
▼ 0.25% · 3.875%
HK$152,850
−HK$4,684/mo
Today · 4.125%
HK$157,534
baseline
▲ 0.50% · 4.625%
HK$167,120
+HK$9,586/mo
Deposit HK$21.67M · loan HK$32.50M · min. income ≈ HK$315,068/mo (50% DSR)
Upfront cash ≈ HK$23.97M (deposit + AVD stamp duty HK$2,302,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,914
−HK$8,910/mo
▼ 0.25% · 3.875%
HK$169,337
−HK$4,487/mo
Today · 4.125%
HK$173,824
baseline
▲ 0.50% · 4.625%
HK$182,986
+HK$9,162/mo
Deposit HK$21.67M · loan HK$32.50M · min. income ≈ HK$347,648/mo (50% DSR)
Upfront cash ≈ HK$23.97M (deposit + AVD stamp duty HK$2,302,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,945
−HK$10,845/mo
▼ 0.25% · 3.875%
HK$178,325
−HK$5,465/mo
Today · 4.125%
HK$183,790
baseline
▲ 0.50% · 4.625%
HK$194,973
+HK$11,183/mo
Deposit HK$16.25M · loan HK$37.92M · min. income ≈ HK$367,580/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$2,302,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,400
−HK$10,394/mo
▼ 0.25% · 3.875%
HK$197,560
−HK$5,234/mo
Today · 4.125%
HK$202,794
baseline
▲ 0.50% · 4.625%
HK$213,484
+HK$10,690/mo
Deposit HK$16.25M · loan HK$37.92M · min. income ≈ HK$405,588/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$2,302,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,358
−HK$13,944/mo
▼ 0.25% · 3.875%
HK$229,274
−HK$7,028/mo
Today · 4.125%
HK$236,302
baseline
▲ 0.50% · 4.625%
HK$250,680
+HK$14,378/mo
Deposit HK$5.42M · loan HK$48.76M · min. income ≈ HK$472,604/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$2,302,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,371
−HK$13,365/mo
▼ 0.25% · 3.875%
HK$254,005
−HK$6,731/mo
Today · 4.125%
HK$260,736
baseline
▲ 0.50% · 4.625%
HK$274,479
+HK$13,743/mo
Deposit HK$5.42M · loan HK$48.76M · min. income ≈ HK$521,472/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$2,302,424 · Scale 2, in force from 26 Feb 2026)