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$126,736
−HK$7,948/mo
▼ 0.25% · 3.875%
HK$130,679
−HK$4,005/mo
Today · 4.125%
HK$134,684
baseline
▲ 0.50% · 4.625%
HK$142,879
+HK$8,195/mo
Deposit HK$27.79M · loan HK$27.79M · min. income ≈ HK$269,368/mo (50% DSR)
Upfront cash ≈ HK$30.15M (deposit + AVD stamp duty HK$2,362,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,993
−HK$7,617/mo
▼ 0.25% · 3.875%
HK$144,774
−HK$3,836/mo
Today · 4.125%
HK$148,610
baseline
▲ 0.50% · 4.625%
HK$156,444
+HK$7,834/mo
Deposit HK$27.79M · loan HK$27.79M · min. income ≈ HK$297,220/mo (50% DSR)
Upfront cash ≈ HK$30.15M (deposit + AVD stamp duty HK$2,362,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,084
−HK$9,537/mo
▼ 0.25% · 3.875%
HK$156,814
−HK$4,807/mo
Today · 4.125%
HK$161,621
baseline
▲ 0.50% · 4.625%
HK$171,455
+HK$9,834/mo
Deposit HK$22.23M · loan HK$33.35M · min. income ≈ HK$323,242/mo (50% DSR)
Upfront cash ≈ HK$24.59M (deposit + AVD stamp duty HK$2,362,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,191
−HK$9,141/mo
▼ 0.25% · 3.875%
HK$173,729
−HK$4,603/mo
Today · 4.125%
HK$178,332
baseline
▲ 0.50% · 4.625%
HK$187,732
+HK$9,400/mo
Deposit HK$22.23M · loan HK$33.35M · min. income ≈ HK$356,664/mo (50% DSR)
Upfront cash ≈ HK$24.59M (deposit + AVD stamp duty HK$2,362,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,431
−HK$11,126/mo
▼ 0.25% · 3.875%
HK$182,950
−HK$5,607/mo
Today · 4.125%
HK$188,557
baseline
▲ 0.50% · 4.625%
HK$200,031
+HK$11,474/mo
Deposit HK$16.67M · loan HK$38.91M · min. income ≈ HK$377,114/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$2,362,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,390
−HK$10,664/mo
▼ 0.25% · 3.875%
HK$202,684
−HK$5,370/mo
Today · 4.125%
HK$208,054
baseline
▲ 0.50% · 4.625%
HK$219,021
+HK$10,967/mo
Deposit HK$16.67M · loan HK$38.91M · min. income ≈ HK$416,108/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$2,362,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,125
−HK$14,306/mo
▼ 0.25% · 3.875%
HK$235,221
−HK$7,210/mo
Today · 4.125%
HK$242,431
baseline
▲ 0.50% · 4.625%
HK$257,182
+HK$14,751/mo
Deposit HK$5.56M · loan HK$50.02M · min. income ≈ HK$484,862/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$2,362,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,787
−HK$13,711/mo
▼ 0.25% · 3.875%
HK$260,594
−HK$6,904/mo
Today · 4.125%
HK$267,498
baseline
▲ 0.50% · 4.625%
HK$281,599
+HK$14,101/mo
Deposit HK$5.56M · loan HK$50.02M · min. income ≈ HK$534,996/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$2,362,144 · Scale 2, in force from 26 Feb 2026)