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$124,163
−HK$7,786/mo
▼ 0.25% · 3.875%
HK$128,025
−HK$3,924/mo
Today · 4.125%
HK$131,949
baseline
▲ 0.50% · 4.625%
HK$139,978
+HK$8,029/mo
Deposit HK$27.23M · loan HK$27.23M · min. income ≈ HK$263,898/mo (50% DSR)
Upfront cash ≈ HK$29.54M (deposit + AVD stamp duty HK$2,314,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,130
−HK$7,463/mo
▼ 0.25% · 3.875%
HK$141,834
−HK$3,759/mo
Today · 4.125%
HK$145,593
baseline
▲ 0.50% · 4.625%
HK$153,267
+HK$7,674/mo
Deposit HK$27.23M · loan HK$27.23M · min. income ≈ HK$291,186/mo (50% DSR)
Upfront cash ≈ HK$29.54M (deposit + AVD stamp duty HK$2,314,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,995
−HK$9,344/mo
▼ 0.25% · 3.875%
HK$153,630
−HK$4,709/mo
Today · 4.125%
HK$158,339
baseline
▲ 0.50% · 4.625%
HK$167,973
+HK$9,634/mo
Deposit HK$21.78M · loan HK$32.67M · min. income ≈ HK$316,678/mo (50% DSR)
Upfront cash ≈ HK$24.09M (deposit + AVD stamp duty HK$2,314,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,756
−HK$8,955/mo
▼ 0.25% · 3.875%
HK$170,201
−HK$4,510/mo
Today · 4.125%
HK$174,711
baseline
▲ 0.50% · 4.625%
HK$183,920
+HK$9,209/mo
Deposit HK$21.78M · loan HK$32.67M · min. income ≈ HK$349,422/mo (50% DSR)
Upfront cash ≈ HK$24.09M (deposit + AVD stamp duty HK$2,314,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,828
−HK$10,901/mo
▼ 0.25% · 3.875%
HK$179,235
−HK$5,494/mo
Today · 4.125%
HK$184,729
baseline
▲ 0.50% · 4.625%
HK$195,969
+HK$11,240/mo
Deposit HK$16.34M · loan HK$38.12M · min. income ≈ HK$369,458/mo (50% DSR)
Upfront cash ≈ HK$18.65M (deposit + AVD stamp duty HK$2,314,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,382
−HK$10,448/mo
▼ 0.25% · 3.875%
HK$198,568
−HK$5,262/mo
Today · 4.125%
HK$203,830
baseline
▲ 0.50% · 4.625%
HK$214,574
+HK$10,744/mo
Deposit HK$16.34M · loan HK$38.12M · min. income ≈ HK$407,660/mo (50% DSR)
Upfront cash ≈ HK$18.65M (deposit + AVD stamp duty HK$2,314,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,493
−HK$14,015/mo
▼ 0.25% · 3.875%
HK$230,445
−HK$7,063/mo
Today · 4.125%
HK$237,508
baseline
▲ 0.50% · 4.625%
HK$251,960
+HK$14,452/mo
Deposit HK$5.45M · loan HK$49.01M · min. income ≈ HK$475,016/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$2,314,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,634
−HK$13,433/mo
▼ 0.25% · 3.875%
HK$255,302
−HK$6,765/mo
Today · 4.125%
HK$262,067
baseline
▲ 0.50% · 4.625%
HK$275,881
+HK$13,814/mo
Deposit HK$5.45M · loan HK$49.01M · min. income ≈ HK$524,134/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$2,314,179 · Scale 2, in force from 26 Feb 2026)