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$125,262
−HK$7,855/mo
▼ 0.25% · 3.875%
HK$129,158
−HK$3,959/mo
Today · 4.125%
HK$133,117
baseline
▲ 0.50% · 4.625%
HK$141,217
+HK$8,100/mo
Deposit HK$27.47M · loan HK$27.47M · min. income ≈ HK$266,234/mo (50% DSR)
Upfront cash ≈ HK$29.80M (deposit + AVD stamp duty HK$2,334,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,353
−HK$7,528/mo
▼ 0.25% · 3.875%
HK$143,090
−HK$3,791/mo
Today · 4.125%
HK$146,881
baseline
▲ 0.50% · 4.625%
HK$154,624
+HK$7,743/mo
Deposit HK$27.47M · loan HK$27.47M · min. income ≈ HK$293,762/mo (50% DSR)
Upfront cash ≈ HK$29.80M (deposit + AVD stamp duty HK$2,334,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,314
−HK$9,426/mo
▼ 0.25% · 3.875%
HK$154,990
−HK$4,750/mo
Today · 4.125%
HK$159,740
baseline
▲ 0.50% · 4.625%
HK$169,460
+HK$9,720/mo
Deposit HK$21.97M · loan HK$32.96M · min. income ≈ HK$319,480/mo (50% DSR)
Upfront cash ≈ HK$24.31M (deposit + AVD stamp duty HK$2,334,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,223
−HK$9,035/mo
▼ 0.25% · 3.875%
HK$171,708
−HK$4,550/mo
Today · 4.125%
HK$176,258
baseline
▲ 0.50% · 4.625%
HK$185,549
+HK$9,291/mo
Deposit HK$21.97M · loan HK$32.96M · min. income ≈ HK$352,516/mo (50% DSR)
Upfront cash ≈ HK$24.31M (deposit + AVD stamp duty HK$2,334,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,367
−HK$10,997/mo
▼ 0.25% · 3.875%
HK$180,822
−HK$5,542/mo
Today · 4.125%
HK$186,364
baseline
▲ 0.50% · 4.625%
HK$197,704
+HK$11,340/mo
Deposit HK$16.48M · loan HK$38.45M · min. income ≈ HK$372,728/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$2,334,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,094
−HK$10,540/mo
▼ 0.25% · 3.875%
HK$200,326
−HK$5,308/mo
Today · 4.125%
HK$205,634
baseline
▲ 0.50% · 4.625%
HK$216,473
+HK$10,839/mo
Deposit HK$16.48M · loan HK$38.45M · min. income ≈ HK$411,268/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$2,334,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,472
−HK$14,139/mo
▼ 0.25% · 3.875%
HK$232,485
−HK$7,126/mo
Today · 4.125%
HK$239,611
baseline
▲ 0.50% · 4.625%
HK$254,190
+HK$14,579/mo
Deposit HK$5.49M · loan HK$49.44M · min. income ≈ HK$479,222/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$2,334,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,835
−HK$13,552/mo
▼ 0.25% · 3.875%
HK$257,562
−HK$6,825/mo
Today · 4.125%
HK$264,387
baseline
▲ 0.50% · 4.625%
HK$278,323
+HK$13,936/mo
Deposit HK$5.49M · loan HK$49.44M · min. income ≈ HK$528,774/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$2,334,665 · Scale 2, in force from 26 Feb 2026)