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$125,398
−HK$7,864/mo
▼ 0.25% · 3.875%
HK$129,299
−HK$3,963/mo
Today · 4.125%
HK$133,262
baseline
▲ 0.50% · 4.625%
HK$141,370
+HK$8,108/mo
Deposit HK$27.50M · loan HK$27.50M · min. income ≈ HK$266,524/mo (50% DSR)
Upfront cash ≈ HK$29.83M (deposit + AVD stamp duty HK$2,337,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,504
−HK$7,537/mo
▼ 0.25% · 3.875%
HK$143,246
−HK$3,795/mo
Today · 4.125%
HK$147,041
baseline
▲ 0.50% · 4.625%
HK$154,792
+HK$7,751/mo
Deposit HK$27.50M · loan HK$27.50M · min. income ≈ HK$294,082/mo (50% DSR)
Upfront cash ≈ HK$29.83M (deposit + AVD stamp duty HK$2,337,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,478
−HK$9,436/mo
▼ 0.25% · 3.875%
HK$155,159
−HK$4,755/mo
Today · 4.125%
HK$159,914
baseline
▲ 0.50% · 4.625%
HK$169,645
+HK$9,731/mo
Deposit HK$22.00M · loan HK$33.00M · min. income ≈ HK$319,828/mo (50% DSR)
Upfront cash ≈ HK$24.33M (deposit + AVD stamp duty HK$2,337,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,405
−HK$9,044/mo
▼ 0.25% · 3.875%
HK$171,895
−HK$4,554/mo
Today · 4.125%
HK$176,449
baseline
▲ 0.50% · 4.625%
HK$185,750
+HK$9,301/mo
Deposit HK$22.00M · loan HK$33.00M · min. income ≈ HK$352,898/mo (50% DSR)
Upfront cash ≈ HK$24.33M (deposit + AVD stamp duty HK$2,337,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,557
−HK$11,009/mo
▼ 0.25% · 3.875%
HK$181,018
−HK$5,548/mo
Today · 4.125%
HK$186,566
baseline
▲ 0.50% · 4.625%
HK$197,919
+HK$11,353/mo
Deposit HK$16.50M · loan HK$38.50M · min. income ≈ HK$373,132/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$2,337,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,306
−HK$10,552/mo
▼ 0.25% · 3.875%
HK$200,544
−HK$5,314/mo
Today · 4.125%
HK$205,858
baseline
▲ 0.50% · 4.625%
HK$216,709
+HK$10,851/mo
Deposit HK$16.50M · loan HK$38.50M · min. income ≈ HK$411,716/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$2,337,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,717
−HK$14,154/mo
▼ 0.25% · 3.875%
HK$232,738
−HK$7,133/mo
Today · 4.125%
HK$239,871
baseline
▲ 0.50% · 4.625%
HK$254,467
+HK$14,596/mo
Deposit HK$5.50M · loan HK$49.49M · min. income ≈ HK$479,742/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$2,337,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,108
−HK$13,566/mo
▼ 0.25% · 3.875%
HK$257,842
−HK$6,832/mo
Today · 4.125%
HK$264,674
baseline
▲ 0.50% · 4.625%
HK$278,626
+HK$13,952/mo
Deposit HK$5.50M · loan HK$49.49M · min. income ≈ HK$529,348/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$2,337,204 · Scale 2, in force from 26 Feb 2026)