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$123,752
−HK$7,761/mo
▼ 0.25% · 3.875%
HK$127,602
−HK$3,911/mo
Today · 4.125%
HK$131,513
baseline
▲ 0.50% · 4.625%
HK$139,515
+HK$8,002/mo
Deposit HK$27.14M · loan HK$27.14M · min. income ≈ HK$263,026/mo (50% DSR)
Upfront cash ≈ HK$29.44M (deposit + AVD stamp duty HK$2,306,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,673
−HK$7,438/mo
▼ 0.25% · 3.875%
HK$141,366
−HK$3,745/mo
Today · 4.125%
HK$145,111
baseline
▲ 0.50% · 4.625%
HK$152,760
+HK$7,649/mo
Deposit HK$27.14M · loan HK$27.14M · min. income ≈ HK$290,222/mo (50% DSR)
Upfront cash ≈ HK$29.44M (deposit + AVD stamp duty HK$2,306,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,503
−HK$9,312/mo
▼ 0.25% · 3.875%
HK$153,122
−HK$4,693/mo
Today · 4.125%
HK$157,815
baseline
▲ 0.50% · 4.625%
HK$167,418
+HK$9,603/mo
Deposit HK$21.71M · loan HK$32.56M · min. income ≈ HK$315,630/mo (50% DSR)
Upfront cash ≈ HK$24.02M (deposit + AVD stamp duty HK$2,306,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,208
−HK$8,926/mo
▼ 0.25% · 3.875%
HK$169,639
−HK$4,495/mo
Today · 4.125%
HK$174,134
baseline
▲ 0.50% · 4.625%
HK$183,313
+HK$9,179/mo
Deposit HK$21.71M · loan HK$32.56M · min. income ≈ HK$348,268/mo (50% DSR)
Upfront cash ≈ HK$24.02M (deposit + AVD stamp duty HK$2,306,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,253
−HK$10,865/mo
▼ 0.25% · 3.875%
HK$178,643
−HK$5,475/mo
Today · 4.125%
HK$184,118
baseline
▲ 0.50% · 4.625%
HK$195,321
+HK$11,203/mo
Deposit HK$16.28M · loan HK$37.99M · min. income ≈ HK$368,236/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$2,306,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,743
−HK$10,413/mo
▼ 0.25% · 3.875%
HK$197,912
−HK$5,244/mo
Today · 4.125%
HK$203,156
baseline
▲ 0.50% · 4.625%
HK$213,865
+HK$10,709/mo
Deposit HK$16.28M · loan HK$37.99M · min. income ≈ HK$406,312/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$2,306,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,754
−HK$13,969/mo
▼ 0.25% · 3.875%
HK$229,683
−HK$7,040/mo
Today · 4.125%
HK$236,723
baseline
▲ 0.50% · 4.625%
HK$251,127
+HK$14,404/mo
Deposit HK$5.43M · loan HK$48.84M · min. income ≈ HK$473,446/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$2,306,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,812
−HK$13,389/mo
▼ 0.25% · 3.875%
HK$254,458
−HK$6,743/mo
Today · 4.125%
HK$261,201
baseline
▲ 0.50% · 4.625%
HK$274,969
+HK$13,768/mo
Deposit HK$5.43M · loan HK$48.84M · min. income ≈ HK$522,402/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$2,306,530 · Scale 2, in force from 26 Feb 2026)