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$124,017
−HK$7,777/mo
▼ 0.25% · 3.875%
HK$127,874
−HK$3,920/mo
Today · 4.125%
HK$131,794
baseline
▲ 0.50% · 4.625%
HK$139,813
+HK$8,019/mo
Deposit HK$27.19M · loan HK$27.19M · min. income ≈ HK$263,588/mo (50% DSR)
Upfront cash ≈ HK$29.51M (deposit + AVD stamp duty HK$2,311,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,967
−HK$7,454/mo
▼ 0.25% · 3.875%
HK$141,668
−HK$3,753/mo
Today · 4.125%
HK$145,421
baseline
▲ 0.50% · 4.625%
HK$153,087
+HK$7,666/mo
Deposit HK$27.19M · loan HK$27.19M · min. income ≈ HK$290,842/mo (50% DSR)
Upfront cash ≈ HK$29.51M (deposit + AVD stamp duty HK$2,311,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,820
−HK$9,332/mo
▼ 0.25% · 3.875%
HK$153,449
−HK$4,703/mo
Today · 4.125%
HK$158,152
baseline
▲ 0.50% · 4.625%
HK$167,776
+HK$9,624/mo
Deposit HK$21.75M · loan HK$32.63M · min. income ≈ HK$316,304/mo (50% DSR)
Upfront cash ≈ HK$24.07M (deposit + AVD stamp duty HK$2,311,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,561
−HK$8,945/mo
▼ 0.25% · 3.875%
HK$170,001
−HK$4,505/mo
Today · 4.125%
HK$174,506
baseline
▲ 0.50% · 4.625%
HK$183,704
+HK$9,198/mo
Deposit HK$21.75M · loan HK$32.63M · min. income ≈ HK$349,012/mo (50% DSR)
Upfront cash ≈ HK$24.07M (deposit + AVD stamp duty HK$2,311,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,623
−HK$10,888/mo
▼ 0.25% · 3.875%
HK$179,024
−HK$5,487/mo
Today · 4.125%
HK$184,511
baseline
▲ 0.50% · 4.625%
HK$195,738
+HK$11,227/mo
Deposit HK$16.32M · loan HK$38.07M · min. income ≈ HK$369,022/mo (50% DSR)
Upfront cash ≈ HK$18.63M (deposit + AVD stamp duty HK$2,311,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,154
−HK$10,436/mo
▼ 0.25% · 3.875%
HK$198,335
−HK$5,255/mo
Today · 4.125%
HK$203,590
baseline
▲ 0.50% · 4.625%
HK$214,321
+HK$10,731/mo
Deposit HK$16.32M · loan HK$38.07M · min. income ≈ HK$407,180/mo (50% DSR)
Upfront cash ≈ HK$18.63M (deposit + AVD stamp duty HK$2,311,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,230
−HK$13,999/mo
▼ 0.25% · 3.875%
HK$230,174
−HK$7,055/mo
Today · 4.125%
HK$237,229
baseline
▲ 0.50% · 4.625%
HK$251,663
+HK$14,434/mo
Deposit HK$5.44M · loan HK$48.95M · min. income ≈ HK$474,458/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$2,311,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,341
−HK$13,417/mo
▼ 0.25% · 3.875%
HK$255,002
−HK$6,756/mo
Today · 4.125%
HK$261,758
baseline
▲ 0.50% · 4.625%
HK$275,556
+HK$13,798/mo
Deposit HK$5.44M · loan HK$48.95M · min. income ≈ HK$523,516/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$2,311,456 · Scale 2, in force from 26 Feb 2026)