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$125,524
−HK$7,872/mo
▼ 0.25% · 3.875%
HK$129,429
−HK$3,967/mo
Today · 4.125%
HK$133,396
baseline
▲ 0.50% · 4.625%
HK$141,513
+HK$8,117/mo
Deposit HK$27.52M · loan HK$27.52M · min. income ≈ HK$266,792/mo (50% DSR)
Upfront cash ≈ HK$29.86M (deposit + AVD stamp duty HK$2,339,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,645
−HK$7,544/mo
▼ 0.25% · 3.875%
HK$143,390
−HK$3,799/mo
Today · 4.125%
HK$147,189
baseline
▲ 0.50% · 4.625%
HK$154,948
+HK$7,759/mo
Deposit HK$27.52M · loan HK$27.52M · min. income ≈ HK$294,378/mo (50% DSR)
Upfront cash ≈ HK$29.86M (deposit + AVD stamp duty HK$2,339,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,629
−HK$9,446/mo
▼ 0.25% · 3.875%
HK$155,315
−HK$4,760/mo
Today · 4.125%
HK$160,075
baseline
▲ 0.50% · 4.625%
HK$169,815
+HK$9,740/mo
Deposit HK$22.02M · loan HK$33.03M · min. income ≈ HK$320,150/mo (50% DSR)
Upfront cash ≈ HK$24.36M (deposit + AVD stamp duty HK$2,339,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,573
−HK$9,054/mo
▼ 0.25% · 3.875%
HK$172,068
−HK$4,559/mo
Today · 4.125%
HK$176,627
baseline
▲ 0.50% · 4.625%
HK$185,937
+HK$9,310/mo
Deposit HK$22.02M · loan HK$33.03M · min. income ≈ HK$353,254/mo (50% DSR)
Upfront cash ≈ HK$24.36M (deposit + AVD stamp duty HK$2,339,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,734
−HK$11,020/mo
▼ 0.25% · 3.875%
HK$181,200
−HK$5,554/mo
Today · 4.125%
HK$186,754
baseline
▲ 0.50% · 4.625%
HK$198,118
+HK$11,364/mo
Deposit HK$16.51M · loan HK$38.53M · min. income ≈ HK$373,508/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$2,339,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,502
−HK$10,563/mo
▼ 0.25% · 3.875%
HK$200,746
−HK$5,319/mo
Today · 4.125%
HK$206,065
baseline
▲ 0.50% · 4.625%
HK$216,927
+HK$10,862/mo
Deposit HK$16.51M · loan HK$38.53M · min. income ≈ HK$412,130/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$2,339,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,944
−HK$14,168/mo
▼ 0.25% · 3.875%
HK$232,972
−HK$7,140/mo
Today · 4.125%
HK$240,112
baseline
▲ 0.50% · 4.625%
HK$254,723
+HK$14,611/mo
Deposit HK$5.50M · loan HK$49.54M · min. income ≈ HK$480,224/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$2,339,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,360
−HK$13,580/mo
▼ 0.25% · 3.875%
HK$258,102
−HK$6,838/mo
Today · 4.125%
HK$264,940
baseline
▲ 0.50% · 4.625%
HK$278,906
+HK$13,966/mo
Deposit HK$5.50M · loan HK$49.54M · min. income ≈ HK$529,880/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$2,339,555 · Scale 2, in force from 26 Feb 2026)