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$125,154
−HK$7,848/mo
▼ 0.25% · 3.875%
HK$129,047
−HK$3,955/mo
Today · 4.125%
HK$133,002
baseline
▲ 0.50% · 4.625%
HK$141,095
+HK$8,093/mo
Deposit HK$27.44M · loan HK$27.44M · min. income ≈ HK$266,004/mo (50% DSR)
Upfront cash ≈ HK$29.78M (deposit + AVD stamp duty HK$2,332,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,232
−HK$7,523/mo
▼ 0.25% · 3.875%
HK$142,967
−HK$3,788/mo
Today · 4.125%
HK$146,755
baseline
▲ 0.50% · 4.625%
HK$154,490
+HK$7,735/mo
Deposit HK$27.44M · loan HK$27.44M · min. income ≈ HK$293,510/mo (50% DSR)
Upfront cash ≈ HK$29.78M (deposit + AVD stamp duty HK$2,332,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,185
−HK$9,418/mo
▼ 0.25% · 3.875%
HK$154,856
−HK$4,747/mo
Today · 4.125%
HK$159,603
baseline
▲ 0.50% · 4.625%
HK$169,314
+HK$9,711/mo
Deposit HK$21.95M · loan HK$32.93M · min. income ≈ HK$319,206/mo (50% DSR)
Upfront cash ≈ HK$24.29M (deposit + AVD stamp duty HK$2,332,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,079
−HK$9,027/mo
▼ 0.25% · 3.875%
HK$171,560
−HK$4,546/mo
Today · 4.125%
HK$176,106
baseline
▲ 0.50% · 4.625%
HK$185,389
+HK$9,283/mo
Deposit HK$21.95M · loan HK$32.93M · min. income ≈ HK$352,212/mo (50% DSR)
Upfront cash ≈ HK$24.29M (deposit + AVD stamp duty HK$2,332,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,215
−HK$10,988/mo
▼ 0.25% · 3.875%
HK$180,666
−HK$5,537/mo
Today · 4.125%
HK$186,203
baseline
▲ 0.50% · 4.625%
HK$197,533
+HK$11,330/mo
Deposit HK$16.47M · loan HK$38.42M · min. income ≈ HK$372,406/mo (50% DSR)
Upfront cash ≈ HK$18.80M (deposit + AVD stamp duty HK$2,332,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,925
−HK$10,532/mo
▼ 0.25% · 3.875%
HK$200,153
−HK$5,304/mo
Today · 4.125%
HK$205,457
baseline
▲ 0.50% · 4.625%
HK$216,287
+HK$10,830/mo
Deposit HK$16.47M · loan HK$38.42M · min. income ≈ HK$410,914/mo (50% DSR)
Upfront cash ≈ HK$18.80M (deposit + AVD stamp duty HK$2,332,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,277
−HK$14,127/mo
▼ 0.25% · 3.875%
HK$232,284
−HK$7,120/mo
Today · 4.125%
HK$239,404
baseline
▲ 0.50% · 4.625%
HK$253,971
+HK$14,567/mo
Deposit HK$5.49M · loan HK$49.40M · min. income ≈ HK$478,808/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$2,332,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,618
−HK$13,541/mo
▼ 0.25% · 3.875%
HK$257,340
−HK$6,819/mo
Today · 4.125%
HK$264,159
baseline
▲ 0.50% · 4.625%
HK$278,083
+HK$13,924/mo
Deposit HK$5.49M · loan HK$49.40M · min. income ≈ HK$528,318/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$2,332,651 · Scale 2, in force from 26 Feb 2026)