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$124,333
−HK$7,797/mo
▼ 0.25% · 3.875%
HK$128,200
−HK$3,930/mo
Today · 4.125%
HK$132,130
baseline
▲ 0.50% · 4.625%
HK$140,169
+HK$8,039/mo
Deposit HK$27.26M · loan HK$27.26M · min. income ≈ HK$264,260/mo (50% DSR)
Upfront cash ≈ HK$29.58M (deposit + AVD stamp duty HK$2,317,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,319
−HK$7,473/mo
▼ 0.25% · 3.875%
HK$142,029
−HK$3,763/mo
Today · 4.125%
HK$145,792
baseline
▲ 0.50% · 4.625%
HK$153,477
+HK$7,685/mo
Deposit HK$27.26M · loan HK$27.26M · min. income ≈ HK$291,584/mo (50% DSR)
Upfront cash ≈ HK$29.58M (deposit + AVD stamp duty HK$2,317,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,200
−HK$9,356/mo
▼ 0.25% · 3.875%
HK$153,840
−HK$4,716/mo
Today · 4.125%
HK$158,556
baseline
▲ 0.50% · 4.625%
HK$168,203
+HK$9,647/mo
Deposit HK$21.81M · loan HK$32.72M · min. income ≈ HK$317,112/mo (50% DSR)
Upfront cash ≈ HK$24.13M (deposit + AVD stamp duty HK$2,317,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,983
−HK$8,968/mo
▼ 0.25% · 3.875%
HK$170,435
−HK$4,516/mo
Today · 4.125%
HK$174,951
baseline
▲ 0.50% · 4.625%
HK$184,172
+HK$9,221/mo
Deposit HK$21.81M · loan HK$32.72M · min. income ≈ HK$349,902/mo (50% DSR)
Upfront cash ≈ HK$24.13M (deposit + AVD stamp duty HK$2,317,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,066
−HK$10,916/mo
▼ 0.25% · 3.875%
HK$179,481
−HK$5,501/mo
Today · 4.125%
HK$184,982
baseline
▲ 0.50% · 4.625%
HK$196,237
+HK$11,255/mo
Deposit HK$16.36M · loan HK$38.17M · min. income ≈ HK$369,964/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$2,317,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,647
−HK$10,462/mo
▼ 0.25% · 3.875%
HK$198,840
−HK$5,269/mo
Today · 4.125%
HK$204,109
baseline
▲ 0.50% · 4.625%
HK$214,868
+HK$10,759/mo
Deposit HK$16.36M · loan HK$38.17M · min. income ≈ HK$408,218/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$2,317,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,799
−HK$14,034/mo
▼ 0.25% · 3.875%
HK$230,761
−HK$7,072/mo
Today · 4.125%
HK$237,833
baseline
▲ 0.50% · 4.625%
HK$252,305
+HK$14,472/mo
Deposit HK$5.45M · loan HK$49.07M · min. income ≈ HK$475,666/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$2,317,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,974
−HK$13,452/mo
▼ 0.25% · 3.875%
HK$255,652
−HK$6,774/mo
Today · 4.125%
HK$262,426
baseline
▲ 0.50% · 4.625%
HK$276,259
+HK$13,833/mo
Deposit HK$5.45M · loan HK$49.07M · min. income ≈ HK$524,852/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$2,317,349 · Scale 2, in force from 26 Feb 2026)