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$124,978
−HK$7,837/mo
▼ 0.25% · 3.875%
HK$128,866
−HK$3,949/mo
Today · 4.125%
HK$132,815
baseline
▲ 0.50% · 4.625%
HK$140,897
+HK$8,082/mo
Deposit HK$27.40M · loan HK$27.40M · min. income ≈ HK$265,630/mo (50% DSR)
Upfront cash ≈ HK$29.73M (deposit + AVD stamp duty HK$2,329,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,037
−HK$7,512/mo
▼ 0.25% · 3.875%
HK$142,766
−HK$3,783/mo
Today · 4.125%
HK$146,549
baseline
▲ 0.50% · 4.625%
HK$154,273
+HK$7,724/mo
Deposit HK$27.40M · loan HK$27.40M · min. income ≈ HK$293,098/mo (50% DSR)
Upfront cash ≈ HK$29.73M (deposit + AVD stamp duty HK$2,329,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,974
−HK$9,404/mo
▼ 0.25% · 3.875%
HK$154,639
−HK$4,739/mo
Today · 4.125%
HK$159,378
baseline
▲ 0.50% · 4.625%
HK$169,076
+HK$9,698/mo
Deposit HK$21.92M · loan HK$32.89M · min. income ≈ HK$318,756/mo (50% DSR)
Upfront cash ≈ HK$24.25M (deposit + AVD stamp duty HK$2,329,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,844
−HK$9,014/mo
▼ 0.25% · 3.875%
HK$171,319
−HK$4,539/mo
Today · 4.125%
HK$175,858
baseline
▲ 0.50% · 4.625%
HK$185,128
+HK$9,270/mo
Deposit HK$21.92M · loan HK$32.89M · min. income ≈ HK$351,716/mo (50% DSR)
Upfront cash ≈ HK$24.25M (deposit + AVD stamp duty HK$2,329,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,969
−HK$10,973/mo
▼ 0.25% · 3.875%
HK$180,412
−HK$5,530/mo
Today · 4.125%
HK$185,942
baseline
▲ 0.50% · 4.625%
HK$197,256
+HK$11,314/mo
Deposit HK$16.44M · loan HK$38.37M · min. income ≈ HK$371,884/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$2,329,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,652
−HK$10,516/mo
▼ 0.25% · 3.875%
HK$199,872
−HK$5,296/mo
Today · 4.125%
HK$205,168
baseline
▲ 0.50% · 4.625%
HK$215,983
+HK$10,815/mo
Deposit HK$16.44M · loan HK$38.37M · min. income ≈ HK$410,336/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$2,329,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,961
−HK$14,107/mo
▼ 0.25% · 3.875%
HK$231,958
−HK$7,110/mo
Today · 4.125%
HK$239,068
baseline
▲ 0.50% · 4.625%
HK$253,614
+HK$14,546/mo
Deposit HK$5.48M · loan HK$49.33M · min. income ≈ HK$478,136/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$2,329,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,266
−HK$13,522/mo
▼ 0.25% · 3.875%
HK$256,978
−HK$6,810/mo
Today · 4.125%
HK$263,788
baseline
▲ 0.50% · 4.625%
HK$277,692
+HK$13,904/mo
Deposit HK$5.48M · loan HK$49.33M · min. income ≈ HK$527,576/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$2,329,375 · Scale 2, in force from 26 Feb 2026)