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$126,166
−HK$7,911/mo
▼ 0.25% · 3.875%
HK$130,090
−HK$3,987/mo
Today · 4.125%
HK$134,077
baseline
▲ 0.50% · 4.625%
HK$142,236
+HK$8,159/mo
Deposit HK$27.66M · loan HK$27.66M · min. income ≈ HK$268,154/mo (50% DSR)
Upfront cash ≈ HK$30.02M (deposit + AVD stamp duty HK$2,351,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,358
−HK$7,583/mo
▼ 0.25% · 3.875%
HK$144,122
−HK$3,819/mo
Today · 4.125%
HK$147,941
baseline
▲ 0.50% · 4.625%
HK$155,739
+HK$7,798/mo
Deposit HK$27.66M · loan HK$27.66M · min. income ≈ HK$295,882/mo (50% DSR)
Upfront cash ≈ HK$30.02M (deposit + AVD stamp duty HK$2,351,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,399
−HK$9,494/mo
▼ 0.25% · 3.875%
HK$156,108
−HK$4,785/mo
Today · 4.125%
HK$160,893
baseline
▲ 0.50% · 4.625%
HK$170,683
+HK$9,790/mo
Deposit HK$22.13M · loan HK$33.20M · min. income ≈ HK$321,786/mo (50% DSR)
Upfront cash ≈ HK$24.48M (deposit + AVD stamp duty HK$2,351,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,430
−HK$9,099/mo
▼ 0.25% · 3.875%
HK$172,947
−HK$4,582/mo
Today · 4.125%
HK$177,529
baseline
▲ 0.50% · 4.625%
HK$186,887
+HK$9,358/mo
Deposit HK$22.13M · loan HK$33.20M · min. income ≈ HK$355,058/mo (50% DSR)
Upfront cash ≈ HK$24.48M (deposit + AVD stamp duty HK$2,351,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,632
−HK$11,076/mo
▼ 0.25% · 3.875%
HK$182,126
−HK$5,582/mo
Today · 4.125%
HK$187,708
baseline
▲ 0.50% · 4.625%
HK$199,130
+HK$11,422/mo
Deposit HK$16.60M · loan HK$38.73M · min. income ≈ HK$375,416/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$2,351,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,501
−HK$10,617/mo
▼ 0.25% · 3.875%
HK$201,771
−HK$5,347/mo
Today · 4.125%
HK$207,118
baseline
▲ 0.50% · 4.625%
HK$218,035
+HK$10,917/mo
Deposit HK$16.60M · loan HK$38.73M · min. income ≈ HK$414,236/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$2,351,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,098
−HK$14,241/mo
▼ 0.25% · 3.875%
HK$234,162
−HK$7,177/mo
Today · 4.125%
HK$241,339
baseline
▲ 0.50% · 4.625%
HK$256,024
+HK$14,685/mo
Deposit HK$5.53M · loan HK$49.80M · min. income ≈ HK$482,678/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$2,351,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,645
−HK$13,649/mo
▼ 0.25% · 3.875%
HK$259,420
−HK$6,874/mo
Today · 4.125%
HK$266,294
baseline
▲ 0.50% · 4.625%
HK$280,331
+HK$14,037/mo
Deposit HK$5.53M · loan HK$49.80M · min. income ≈ HK$532,588/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$2,351,509 · Scale 2, in force from 26 Feb 2026)