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$125,224
−HK$7,852/mo
▼ 0.25% · 3.875%
HK$129,119
−HK$3,957/mo
Today · 4.125%
HK$133,076
baseline
▲ 0.50% · 4.625%
HK$141,174
+HK$8,098/mo
Deposit HK$27.46M · loan HK$27.46M · min. income ≈ HK$266,152/mo (50% DSR)
Upfront cash ≈ HK$29.79M (deposit + AVD stamp duty HK$2,333,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,310
−HK$7,527/mo
▼ 0.25% · 3.875%
HK$143,046
−HK$3,791/mo
Today · 4.125%
HK$146,837
baseline
▲ 0.50% · 4.625%
HK$154,576
+HK$7,739/mo
Deposit HK$27.46M · loan HK$27.46M · min. income ≈ HK$293,674/mo (50% DSR)
Upfront cash ≈ HK$29.79M (deposit + AVD stamp duty HK$2,333,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,268
−HK$9,424/mo
▼ 0.25% · 3.875%
HK$154,943
−HK$4,749/mo
Today · 4.125%
HK$159,692
baseline
▲ 0.50% · 4.625%
HK$169,408
+HK$9,716/mo
Deposit HK$21.97M · loan HK$32.95M · min. income ≈ HK$319,384/mo (50% DSR)
Upfront cash ≈ HK$24.30M (deposit + AVD stamp duty HK$2,333,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,172
−HK$9,032/mo
▼ 0.25% · 3.875%
HK$171,656
−HK$4,548/mo
Today · 4.125%
HK$176,204
baseline
▲ 0.50% · 4.625%
HK$185,492
+HK$9,288/mo
Deposit HK$21.97M · loan HK$32.95M · min. income ≈ HK$352,408/mo (50% DSR)
Upfront cash ≈ HK$24.30M (deposit + AVD stamp duty HK$2,333,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,313
−HK$10,994/mo
▼ 0.25% · 3.875%
HK$180,766
−HK$5,541/mo
Today · 4.125%
HK$186,307
baseline
▲ 0.50% · 4.625%
HK$197,643
+HK$11,336/mo
Deposit HK$16.47M · loan HK$38.44M · min. income ≈ HK$372,614/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$2,333,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,034
−HK$10,537/mo
▼ 0.25% · 3.875%
HK$200,265
−HK$5,306/mo
Today · 4.125%
HK$205,571
baseline
▲ 0.50% · 4.625%
HK$216,407
+HK$10,836/mo
Deposit HK$16.47M · loan HK$38.44M · min. income ≈ HK$411,142/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$2,333,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,403
−HK$14,134/mo
▼ 0.25% · 3.875%
HK$232,414
−HK$7,123/mo
Today · 4.125%
HK$239,537
baseline
▲ 0.50% · 4.625%
HK$254,113
+HK$14,576/mo
Deposit HK$5.49M · loan HK$49.42M · min. income ≈ HK$479,074/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$2,333,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,758
−HK$13,548/mo
▼ 0.25% · 3.875%
HK$257,483
−HK$6,823/mo
Today · 4.125%
HK$264,306
baseline
▲ 0.50% · 4.625%
HK$278,238
+HK$13,932/mo
Deposit HK$5.49M · loan HK$49.42M · min. income ≈ HK$528,612/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$2,333,951 · Scale 2, in force from 26 Feb 2026)