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$123,578
−HK$7,750/mo
▼ 0.25% · 3.875%
HK$127,422
−HK$3,906/mo
Today · 4.125%
HK$131,328
baseline
▲ 0.50% · 4.625%
HK$139,319
+HK$7,991/mo
Deposit HK$27.10M · loan HK$27.10M · min. income ≈ HK$262,656/mo (50% DSR)
Upfront cash ≈ HK$29.40M (deposit + AVD stamp duty HK$2,303,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,480
−HK$7,427/mo
▼ 0.25% · 3.875%
HK$141,167
−HK$3,740/mo
Today · 4.125%
HK$144,907
baseline
▲ 0.50% · 4.625%
HK$152,545
+HK$7,638/mo
Deposit HK$27.10M · loan HK$27.10M · min. income ≈ HK$289,814/mo (50% DSR)
Upfront cash ≈ HK$29.40M (deposit + AVD stamp duty HK$2,303,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,294
−HK$9,299/mo
▼ 0.25% · 3.875%
HK$152,907
−HK$4,686/mo
Today · 4.125%
HK$157,593
baseline
▲ 0.50% · 4.625%
HK$167,182
+HK$9,589/mo
Deposit HK$21.68M · loan HK$32.52M · min. income ≈ HK$315,186/mo (50% DSR)
Upfront cash ≈ HK$23.98M (deposit + AVD stamp duty HK$2,303,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,976
−HK$8,913/mo
▼ 0.25% · 3.875%
HK$169,400
−HK$4,489/mo
Today · 4.125%
HK$173,889
baseline
▲ 0.50% · 4.625%
HK$183,055
+HK$9,166/mo
Deposit HK$21.68M · loan HK$32.52M · min. income ≈ HK$347,778/mo (50% DSR)
Upfront cash ≈ HK$23.98M (deposit + AVD stamp duty HK$2,303,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,010
−HK$10,849/mo
▼ 0.25% · 3.875%
HK$178,391
−HK$5,468/mo
Today · 4.125%
HK$183,859
baseline
▲ 0.50% · 4.625%
HK$195,046
+HK$11,187/mo
Deposit HK$16.26M · loan HK$37.94M · min. income ≈ HK$367,718/mo (50% DSR)
Upfront cash ≈ HK$18.56M (deposit + AVD stamp duty HK$2,303,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,471
−HK$10,399/mo
▼ 0.25% · 3.875%
HK$197,633
−HK$5,237/mo
Today · 4.125%
HK$202,870
baseline
▲ 0.50% · 4.625%
HK$213,564
+HK$10,694/mo
Deposit HK$16.26M · loan HK$37.94M · min. income ≈ HK$405,740/mo (50% DSR)
Upfront cash ≈ HK$18.56M (deposit + AVD stamp duty HK$2,303,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,441
−HK$13,949/mo
▼ 0.25% · 3.875%
HK$229,360
−HK$7,030/mo
Today · 4.125%
HK$236,390
baseline
▲ 0.50% · 4.625%
HK$250,774
+HK$14,384/mo
Deposit HK$5.42M · loan HK$48.78M · min. income ≈ HK$472,780/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$2,303,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,463
−HK$13,370/mo
▼ 0.25% · 3.875%
HK$254,100
−HK$6,733/mo
Today · 4.125%
HK$260,833
baseline
▲ 0.50% · 4.625%
HK$274,582
+HK$13,749/mo
Deposit HK$5.42M · loan HK$48.78M · min. income ≈ HK$521,666/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$2,303,284 · Scale 2, in force from 26 Feb 2026)