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$125,219
−HK$7,853/mo
▼ 0.25% · 3.875%
HK$129,114
−HK$3,958/mo
Today · 4.125%
HK$133,072
baseline
▲ 0.50% · 4.625%
HK$141,169
+HK$8,097/mo
Deposit HK$27.46M · loan HK$27.46M · min. income ≈ HK$266,144/mo (50% DSR)
Upfront cash ≈ HK$29.79M (deposit + AVD stamp duty HK$2,333,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,305
−HK$7,527/mo
▼ 0.25% · 3.875%
HK$143,041
−HK$3,791/mo
Today · 4.125%
HK$146,832
baseline
▲ 0.50% · 4.625%
HK$154,571
+HK$7,739/mo
Deposit HK$27.46M · loan HK$27.46M · min. income ≈ HK$293,664/mo (50% DSR)
Upfront cash ≈ HK$29.79M (deposit + AVD stamp duty HK$2,333,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,263
−HK$9,423/mo
▼ 0.25% · 3.875%
HK$154,937
−HK$4,749/mo
Today · 4.125%
HK$159,686
baseline
▲ 0.50% · 4.625%
HK$169,403
+HK$9,717/mo
Deposit HK$21.97M · loan HK$32.95M · min. income ≈ HK$319,372/mo (50% DSR)
Upfront cash ≈ HK$24.30M (deposit + AVD stamp duty HK$2,333,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,166
−HK$9,032/mo
▼ 0.25% · 3.875%
HK$171,650
−HK$4,548/mo
Today · 4.125%
HK$176,198
baseline
▲ 0.50% · 4.625%
HK$185,486
+HK$9,288/mo
Deposit HK$21.97M · loan HK$32.95M · min. income ≈ HK$352,396/mo (50% DSR)
Upfront cash ≈ HK$24.30M (deposit + AVD stamp duty HK$2,333,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,307
−HK$10,994/mo
▼ 0.25% · 3.875%
HK$180,760
−HK$5,541/mo
Today · 4.125%
HK$186,301
baseline
▲ 0.50% · 4.625%
HK$197,636
+HK$11,335/mo
Deposit HK$16.47M · loan HK$38.44M · min. income ≈ HK$372,602/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$2,333,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,028
−HK$10,536/mo
▼ 0.25% · 3.875%
HK$200,258
−HK$5,306/mo
Today · 4.125%
HK$205,564
baseline
▲ 0.50% · 4.625%
HK$216,400
+HK$10,836/mo
Deposit HK$16.47M · loan HK$38.44M · min. income ≈ HK$411,128/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$2,333,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,395
−HK$14,134/mo
▼ 0.25% · 3.875%
HK$232,406
−HK$7,123/mo
Today · 4.125%
HK$239,529
baseline
▲ 0.50% · 4.625%
HK$254,104
+HK$14,575/mo
Deposit HK$5.49M · loan HK$49.42M · min. income ≈ HK$479,058/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$2,333,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,750
−HK$13,547/mo
▼ 0.25% · 3.875%
HK$257,475
−HK$6,822/mo
Today · 4.125%
HK$264,297
baseline
▲ 0.50% · 4.625%
HK$278,228
+HK$13,931/mo
Deposit HK$5.49M · loan HK$49.42M · min. income ≈ HK$528,594/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$2,333,872 · Scale 2, in force from 26 Feb 2026)