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$124,362
−HK$7,798/mo
▼ 0.25% · 3.875%
HK$128,230
−HK$3,930/mo
Today · 4.125%
HK$132,160
baseline
▲ 0.50% · 4.625%
HK$140,202
+HK$8,042/mo
Deposit HK$27.27M · loan HK$27.27M · min. income ≈ HK$264,320/mo (50% DSR)
Upfront cash ≈ HK$29.59M (deposit + AVD stamp duty HK$2,317,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,351
−HK$7,475/mo
▼ 0.25% · 3.875%
HK$142,062
−HK$3,764/mo
Today · 4.125%
HK$145,826
baseline
▲ 0.50% · 4.625%
HK$153,513
+HK$7,687/mo
Deposit HK$27.27M · loan HK$27.27M · min. income ≈ HK$291,652/mo (50% DSR)
Upfront cash ≈ HK$29.59M (deposit + AVD stamp duty HK$2,317,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,234
−HK$9,358/mo
▼ 0.25% · 3.875%
HK$153,876
−HK$4,716/mo
Today · 4.125%
HK$158,592
baseline
▲ 0.50% · 4.625%
HK$168,242
+HK$9,650/mo
Deposit HK$21.82M · loan HK$32.72M · min. income ≈ HK$317,184/mo (50% DSR)
Upfront cash ≈ HK$24.13M (deposit + AVD stamp duty HK$2,317,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,022
−HK$8,969/mo
▼ 0.25% · 3.875%
HK$170,474
−HK$4,517/mo
Today · 4.125%
HK$174,991
baseline
▲ 0.50% · 4.625%
HK$184,215
+HK$9,224/mo
Deposit HK$21.82M · loan HK$32.72M · min. income ≈ HK$349,982/mo (50% DSR)
Upfront cash ≈ HK$24.13M (deposit + AVD stamp duty HK$2,317,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,107
−HK$10,918/mo
▼ 0.25% · 3.875%
HK$179,522
−HK$5,503/mo
Today · 4.125%
HK$185,025
baseline
▲ 0.50% · 4.625%
HK$196,283
+HK$11,258/mo
Deposit HK$16.36M · loan HK$38.18M · min. income ≈ HK$370,050/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$2,317,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,692
−HK$10,464/mo
▼ 0.25% · 3.875%
HK$198,886
−HK$5,270/mo
Today · 4.125%
HK$204,156
baseline
▲ 0.50% · 4.625%
HK$214,918
+HK$10,762/mo
Deposit HK$16.36M · loan HK$38.18M · min. income ≈ HK$408,312/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$2,317,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,851
−HK$14,038/mo
▼ 0.25% · 3.875%
HK$230,814
−HK$7,075/mo
Today · 4.125%
HK$237,889
baseline
▲ 0.50% · 4.625%
HK$252,364
+HK$14,475/mo
Deposit HK$5.45M · loan HK$49.08M · min. income ≈ HK$475,778/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$2,317,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,032
−HK$13,455/mo
▼ 0.25% · 3.875%
HK$255,711
−HK$6,776/mo
Today · 4.125%
HK$262,487
baseline
▲ 0.50% · 4.625%
HK$276,323
+HK$13,836/mo
Deposit HK$5.45M · loan HK$49.08M · min. income ≈ HK$524,974/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$2,317,888 · Scale 2, in force from 26 Feb 2026)