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$124,159
−HK$7,786/mo
▼ 0.25% · 3.875%
HK$128,021
−HK$3,924/mo
Today · 4.125%
HK$131,945
baseline
▲ 0.50% · 4.625%
HK$139,973
+HK$8,028/mo
Deposit HK$27.22M · loan HK$27.22M · min. income ≈ HK$263,890/mo (50% DSR)
Upfront cash ≈ HK$29.54M (deposit + AVD stamp duty HK$2,314,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,125
−HK$7,463/mo
▼ 0.25% · 3.875%
HK$141,830
−HK$3,758/mo
Today · 4.125%
HK$145,588
baseline
▲ 0.50% · 4.625%
HK$153,262
+HK$7,674/mo
Deposit HK$27.22M · loan HK$27.22M · min. income ≈ HK$291,176/mo (50% DSR)
Upfront cash ≈ HK$29.54M (deposit + AVD stamp duty HK$2,314,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,990
−HK$9,343/mo
▼ 0.25% · 3.875%
HK$153,625
−HK$4,708/mo
Today · 4.125%
HK$158,333
baseline
▲ 0.50% · 4.625%
HK$167,968
+HK$9,635/mo
Deposit HK$21.78M · loan HK$32.67M · min. income ≈ HK$316,666/mo (50% DSR)
Upfront cash ≈ HK$24.09M (deposit + AVD stamp duty HK$2,314,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,750
−HK$8,955/mo
▼ 0.25% · 3.875%
HK$170,196
−HK$4,509/mo
Today · 4.125%
HK$174,705
baseline
▲ 0.50% · 4.625%
HK$183,914
+HK$9,209/mo
Deposit HK$21.78M · loan HK$32.67M · min. income ≈ HK$349,410/mo (50% DSR)
Upfront cash ≈ HK$24.09M (deposit + AVD stamp duty HK$2,314,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,822
−HK$10,900/mo
▼ 0.25% · 3.875%
HK$179,229
−HK$5,493/mo
Today · 4.125%
HK$184,722
baseline
▲ 0.50% · 4.625%
HK$195,962
+HK$11,240/mo
Deposit HK$16.33M · loan HK$38.11M · min. income ≈ HK$369,444/mo (50% DSR)
Upfront cash ≈ HK$18.65M (deposit + AVD stamp duty HK$2,314,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,375
−HK$10,448/mo
▼ 0.25% · 3.875%
HK$198,562
−HK$5,261/mo
Today · 4.125%
HK$203,823
baseline
▲ 0.50% · 4.625%
HK$214,567
+HK$10,744/mo
Deposit HK$16.33M · loan HK$38.11M · min. income ≈ HK$407,646/mo (50% DSR)
Upfront cash ≈ HK$18.65M (deposit + AVD stamp duty HK$2,314,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,486
−HK$14,014/mo
▼ 0.25% · 3.875%
HK$230,437
−HK$7,063/mo
Today · 4.125%
HK$237,500
baseline
▲ 0.50% · 4.625%
HK$251,951
+HK$14,451/mo
Deposit HK$5.44M · loan HK$49.00M · min. income ≈ HK$475,000/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$2,314,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,625
−HK$13,433/mo
▼ 0.25% · 3.875%
HK$255,293
−HK$6,765/mo
Today · 4.125%
HK$262,058
baseline
▲ 0.50% · 4.625%
HK$275,871
+HK$13,813/mo
Deposit HK$5.44M · loan HK$49.00M · min. income ≈ HK$524,116/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$2,314,101 · Scale 2, in force from 26 Feb 2026)