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$124,880
−HK$7,831/mo
▼ 0.25% · 3.875%
HK$128,765
−HK$3,946/mo
Today · 4.125%
HK$132,711
baseline
▲ 0.50% · 4.625%
HK$140,786
+HK$8,075/mo
Deposit HK$27.38M · loan HK$27.38M · min. income ≈ HK$265,422/mo (50% DSR)
Upfront cash ≈ HK$29.71M (deposit + AVD stamp duty HK$2,327,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,928
−HK$7,506/mo
▼ 0.25% · 3.875%
HK$142,654
−HK$3,780/mo
Today · 4.125%
HK$146,434
baseline
▲ 0.50% · 4.625%
HK$154,152
+HK$7,718/mo
Deposit HK$27.38M · loan HK$27.38M · min. income ≈ HK$292,868/mo (50% DSR)
Upfront cash ≈ HK$29.71M (deposit + AVD stamp duty HK$2,327,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,856
−HK$9,397/mo
▼ 0.25% · 3.875%
HK$154,518
−HK$4,735/mo
Today · 4.125%
HK$159,253
baseline
▲ 0.50% · 4.625%
HK$168,944
+HK$9,691/mo
Deposit HK$21.91M · loan HK$32.86M · min. income ≈ HK$318,506/mo (50% DSR)
Upfront cash ≈ HK$24.23M (deposit + AVD stamp duty HK$2,327,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,713
−HK$9,007/mo
▼ 0.25% · 3.875%
HK$171,185
−HK$4,535/mo
Today · 4.125%
HK$175,720
baseline
▲ 0.50% · 4.625%
HK$184,983
+HK$9,263/mo
Deposit HK$21.91M · loan HK$32.86M · min. income ≈ HK$351,440/mo (50% DSR)
Upfront cash ≈ HK$24.23M (deposit + AVD stamp duty HK$2,327,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,832
−HK$10,964/mo
▼ 0.25% · 3.875%
HK$180,270
−HK$5,526/mo
Today · 4.125%
HK$185,796
baseline
▲ 0.50% · 4.625%
HK$197,101
+HK$11,305/mo
Deposit HK$16.43M · loan HK$38.34M · min. income ≈ HK$371,592/mo (50% DSR)
Upfront cash ≈ HK$18.76M (deposit + AVD stamp duty HK$2,327,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,499
−HK$10,508/mo
▼ 0.25% · 3.875%
HK$199,715
−HK$5,292/mo
Today · 4.125%
HK$205,007
baseline
▲ 0.50% · 4.625%
HK$215,813
+HK$10,806/mo
Deposit HK$16.43M · loan HK$38.34M · min. income ≈ HK$410,014/mo (50% DSR)
Upfront cash ≈ HK$18.76M (deposit + AVD stamp duty HK$2,327,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,784
−HK$14,096/mo
▼ 0.25% · 3.875%
HK$231,776
−HK$7,104/mo
Today · 4.125%
HK$238,880
baseline
▲ 0.50% · 4.625%
HK$253,415
+HK$14,535/mo
Deposit HK$5.48M · loan HK$49.29M · min. income ≈ HK$477,760/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$2,327,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,070
−HK$13,511/mo
▼ 0.25% · 3.875%
HK$256,777
−HK$6,804/mo
Today · 4.125%
HK$263,581
baseline
▲ 0.50% · 4.625%
HK$277,474
+HK$13,893/mo
Deposit HK$5.48M · loan HK$49.29M · min. income ≈ HK$527,162/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$2,327,548 · Scale 2, in force from 26 Feb 2026)