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$124,464
−HK$7,805/mo
▼ 0.25% · 3.875%
HK$128,336
−HK$3,933/mo
Today · 4.125%
HK$132,269
baseline
▲ 0.50% · 4.625%
HK$140,317
+HK$8,048/mo
Deposit HK$27.29M · loan HK$27.29M · min. income ≈ HK$264,538/mo (50% DSR)
Upfront cash ≈ HK$29.61M (deposit + AVD stamp duty HK$2,319,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,465
−HK$7,481/mo
▼ 0.25% · 3.875%
HK$142,179
−HK$3,767/mo
Today · 4.125%
HK$145,946
baseline
▲ 0.50% · 4.625%
HK$153,639
+HK$7,693/mo
Deposit HK$27.29M · loan HK$27.29M · min. income ≈ HK$291,892/mo (50% DSR)
Upfront cash ≈ HK$29.61M (deposit + AVD stamp duty HK$2,319,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,357
−HK$9,366/mo
▼ 0.25% · 3.875%
HK$154,003
−HK$4,720/mo
Today · 4.125%
HK$158,723
baseline
▲ 0.50% · 4.625%
HK$168,381
+HK$9,658/mo
Deposit HK$21.83M · loan HK$32.75M · min. income ≈ HK$317,446/mo (50% DSR)
Upfront cash ≈ HK$24.15M (deposit + AVD stamp duty HK$2,319,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,158
−HK$8,977/mo
▼ 0.25% · 3.875%
HK$170,614
−HK$4,521/mo
Today · 4.125%
HK$175,135
baseline
▲ 0.50% · 4.625%
HK$184,367
+HK$9,232/mo
Deposit HK$21.83M · loan HK$32.75M · min. income ≈ HK$350,270/mo (50% DSR)
Upfront cash ≈ HK$24.15M (deposit + AVD stamp duty HK$2,319,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,250
−HK$10,927/mo
▼ 0.25% · 3.875%
HK$179,670
−HK$5,507/mo
Today · 4.125%
HK$185,177
baseline
▲ 0.50% · 4.625%
HK$196,444
+HK$11,267/mo
Deposit HK$16.38M · loan HK$38.21M · min. income ≈ HK$370,354/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$2,319,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,851
−HK$10,473/mo
▼ 0.25% · 3.875%
HK$199,050
−HK$5,274/mo
Today · 4.125%
HK$204,324
baseline
▲ 0.50% · 4.625%
HK$215,095
+HK$10,771/mo
Deposit HK$16.38M · loan HK$38.21M · min. income ≈ HK$408,648/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$2,319,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,035
−HK$14,049/mo
▼ 0.25% · 3.875%
HK$231,004
−HK$7,080/mo
Today · 4.125%
HK$238,084
baseline
▲ 0.50% · 4.625%
HK$252,571
+HK$14,487/mo
Deposit HK$5.46M · loan HK$49.13M · min. income ≈ HK$476,168/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$2,319,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,237
−HK$13,466/mo
▼ 0.25% · 3.875%
HK$255,922
−HK$6,781/mo
Today · 4.125%
HK$262,703
baseline
▲ 0.50% · 4.625%
HK$276,550
+HK$13,847/mo
Deposit HK$5.46M · loan HK$49.13M · min. income ≈ HK$525,406/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$2,319,795 · Scale 2, in force from 26 Feb 2026)