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$125,305
−HK$7,858/mo
▼ 0.25% · 3.875%
HK$129,203
−HK$3,960/mo
Today · 4.125%
HK$133,163
baseline
▲ 0.50% · 4.625%
HK$141,266
+HK$8,103/mo
Deposit HK$27.48M · loan HK$27.48M · min. income ≈ HK$266,326/mo (50% DSR)
Upfront cash ≈ HK$29.81M (deposit + AVD stamp duty HK$2,335,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,401
−HK$7,531/mo
▼ 0.25% · 3.875%
HK$143,139
−HK$3,793/mo
Today · 4.125%
HK$146,932
baseline
▲ 0.50% · 4.625%
HK$154,677
+HK$7,745/mo
Deposit HK$27.48M · loan HK$27.48M · min. income ≈ HK$293,864/mo (50% DSR)
Upfront cash ≈ HK$29.81M (deposit + AVD stamp duty HK$2,335,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,366
−HK$9,430/mo
▼ 0.25% · 3.875%
HK$155,044
−HK$4,752/mo
Today · 4.125%
HK$159,796
baseline
▲ 0.50% · 4.625%
HK$169,519
+HK$9,723/mo
Deposit HK$21.98M · loan HK$32.97M · min. income ≈ HK$319,592/mo (50% DSR)
Upfront cash ≈ HK$24.32M (deposit + AVD stamp duty HK$2,335,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,281
−HK$9,038/mo
▼ 0.25% · 3.875%
HK$171,767
−HK$4,552/mo
Today · 4.125%
HK$176,319
baseline
▲ 0.50% · 4.625%
HK$185,613
+HK$9,294/mo
Deposit HK$21.98M · loan HK$32.97M · min. income ≈ HK$352,638/mo (50% DSR)
Upfront cash ≈ HK$24.32M (deposit + AVD stamp duty HK$2,335,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,427
−HK$11,001/mo
▼ 0.25% · 3.875%
HK$180,884
−HK$5,544/mo
Today · 4.125%
HK$186,428
baseline
▲ 0.50% · 4.625%
HK$197,772
+HK$11,344/mo
Deposit HK$16.49M · loan HK$38.47M · min. income ≈ HK$372,856/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$2,335,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,161
−HK$10,544/mo
▼ 0.25% · 3.875%
HK$200,395
−HK$5,310/mo
Today · 4.125%
HK$205,705
baseline
▲ 0.50% · 4.625%
HK$216,548
+HK$10,843/mo
Deposit HK$16.49M · loan HK$38.47M · min. income ≈ HK$411,410/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$2,335,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,549
−HK$14,144/mo
▼ 0.25% · 3.875%
HK$232,565
−HK$7,128/mo
Today · 4.125%
HK$239,693
baseline
▲ 0.50% · 4.625%
HK$254,278
+HK$14,585/mo
Deposit HK$5.50M · loan HK$49.46M · min. income ≈ HK$479,386/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$2,335,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,921
−HK$13,557/mo
▼ 0.25% · 3.875%
HK$257,651
−HK$6,827/mo
Today · 4.125%
HK$264,478
baseline
▲ 0.50% · 4.625%
HK$278,419
+HK$13,941/mo
Deposit HK$5.50M · loan HK$49.46M · min. income ≈ HK$528,956/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$2,335,471 · Scale 2, in force from 26 Feb 2026)