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$124,065
−HK$7,779/mo
▼ 0.25% · 3.875%
HK$127,924
−HK$3,920/mo
Today · 4.125%
HK$131,844
baseline
▲ 0.50% · 4.625%
HK$139,867
+HK$8,023/mo
Deposit HK$27.20M · loan HK$27.20M · min. income ≈ HK$263,688/mo (50% DSR)
Upfront cash ≈ HK$29.52M (deposit + AVD stamp duty HK$2,312,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,021
−HK$7,456/mo
▼ 0.25% · 3.875%
HK$141,722
−HK$3,755/mo
Today · 4.125%
HK$145,477
baseline
▲ 0.50% · 4.625%
HK$153,146
+HK$7,669/mo
Deposit HK$27.20M · loan HK$27.20M · min. income ≈ HK$290,954/mo (50% DSR)
Upfront cash ≈ HK$29.52M (deposit + AVD stamp duty HK$2,312,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,877
−HK$9,336/mo
▼ 0.25% · 3.875%
HK$153,508
−HK$4,705/mo
Today · 4.125%
HK$158,213
baseline
▲ 0.50% · 4.625%
HK$167,840
+HK$9,627/mo
Deposit HK$21.76M · loan HK$32.64M · min. income ≈ HK$316,426/mo (50% DSR)
Upfront cash ≈ HK$24.08M (deposit + AVD stamp duty HK$2,312,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,625
−HK$8,948/mo
▼ 0.25% · 3.875%
HK$170,067
−HK$4,506/mo
Today · 4.125%
HK$174,573
baseline
▲ 0.50% · 4.625%
HK$183,775
+HK$9,202/mo
Deposit HK$21.76M · loan HK$32.64M · min. income ≈ HK$349,146/mo (50% DSR)
Upfront cash ≈ HK$24.08M (deposit + AVD stamp duty HK$2,312,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,690
−HK$10,892/mo
▼ 0.25% · 3.875%
HK$179,093
−HK$5,489/mo
Today · 4.125%
HK$184,582
baseline
▲ 0.50% · 4.625%
HK$195,814
+HK$11,232/mo
Deposit HK$16.32M · loan HK$38.09M · min. income ≈ HK$369,164/mo (50% DSR)
Upfront cash ≈ HK$18.63M (deposit + AVD stamp duty HK$2,312,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,229
−HK$10,439/mo
▼ 0.25% · 3.875%
HK$198,411
−HK$5,257/mo
Today · 4.125%
HK$203,668
baseline
▲ 0.50% · 4.625%
HK$214,404
+HK$10,736/mo
Deposit HK$16.32M · loan HK$38.09M · min. income ≈ HK$407,336/mo (50% DSR)
Upfront cash ≈ HK$18.63M (deposit + AVD stamp duty HK$2,312,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,316
−HK$14,004/mo
▼ 0.25% · 3.875%
HK$230,263
−HK$7,057/mo
Today · 4.125%
HK$237,320
baseline
▲ 0.50% · 4.625%
HK$251,760
+HK$14,440/mo
Deposit HK$5.44M · loan HK$48.97M · min. income ≈ HK$474,640/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$2,312,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,437
−HK$13,422/mo
▼ 0.25% · 3.875%
HK$255,100
−HK$6,759/mo
Today · 4.125%
HK$261,859
baseline
▲ 0.50% · 4.625%
HK$275,662
+HK$13,803/mo
Deposit HK$5.44M · loan HK$48.97M · min. income ≈ HK$523,718/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$2,312,347 · Scale 2, in force from 26 Feb 2026)