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$123,613
−HK$7,751/mo
▼ 0.25% · 3.875%
HK$127,458
−HK$3,906/mo
Today · 4.125%
HK$131,364
baseline
▲ 0.50% · 4.625%
HK$139,357
+HK$7,993/mo
Deposit HK$27.10M · loan HK$27.10M · min. income ≈ HK$262,728/mo (50% DSR)
Upfront cash ≈ HK$29.41M (deposit + AVD stamp duty HK$2,303,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,518
−HK$7,429/mo
▼ 0.25% · 3.875%
HK$141,206
−HK$3,741/mo
Today · 4.125%
HK$144,947
baseline
▲ 0.50% · 4.625%
HK$152,588
+HK$7,641/mo
Deposit HK$27.10M · loan HK$27.10M · min. income ≈ HK$289,894/mo (50% DSR)
Upfront cash ≈ HK$29.41M (deposit + AVD stamp duty HK$2,303,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,335
−HK$9,302/mo
▼ 0.25% · 3.875%
HK$152,949
−HK$4,688/mo
Today · 4.125%
HK$157,637
baseline
▲ 0.50% · 4.625%
HK$167,229
+HK$9,592/mo
Deposit HK$21.68M · loan HK$32.53M · min. income ≈ HK$315,274/mo (50% DSR)
Upfront cash ≈ HK$23.99M (deposit + AVD stamp duty HK$2,303,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,021
−HK$8,916/mo
▼ 0.25% · 3.875%
HK$169,447
−HK$4,490/mo
Today · 4.125%
HK$173,937
baseline
▲ 0.50% · 4.625%
HK$183,105
+HK$9,168/mo
Deposit HK$21.68M · loan HK$32.53M · min. income ≈ HK$347,874/mo (50% DSR)
Upfront cash ≈ HK$23.99M (deposit + AVD stamp duty HK$2,303,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,058
−HK$10,852/mo
▼ 0.25% · 3.875%
HK$178,441
−HK$5,469/mo
Today · 4.125%
HK$183,910
baseline
▲ 0.50% · 4.625%
HK$195,100
+HK$11,190/mo
Deposit HK$16.26M · loan HK$37.95M · min. income ≈ HK$367,820/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$2,303,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,525
−HK$10,401/mo
▼ 0.25% · 3.875%
HK$197,688
−HK$5,238/mo
Today · 4.125%
HK$202,926
baseline
▲ 0.50% · 4.625%
HK$213,623
+HK$10,697/mo
Deposit HK$16.26M · loan HK$37.95M · min. income ≈ HK$405,852/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$2,303,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,503
−HK$13,952/mo
▼ 0.25% · 3.875%
HK$229,424
−HK$7,031/mo
Today · 4.125%
HK$236,455
baseline
▲ 0.50% · 4.625%
HK$250,843
+HK$14,388/mo
Deposit HK$5.42M · loan HK$48.79M · min. income ≈ HK$472,910/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$2,303,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,532
−HK$13,373/mo
▼ 0.25% · 3.875%
HK$254,171
−HK$6,734/mo
Today · 4.125%
HK$260,905
baseline
▲ 0.50% · 4.625%
HK$274,658
+HK$13,753/mo
Deposit HK$5.42M · loan HK$48.79M · min. income ≈ HK$521,810/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$2,303,922 · Scale 2, in force from 26 Feb 2026)