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$125,571
−HK$7,874/mo
▼ 0.25% · 3.875%
HK$129,477
−HK$3,968/mo
Today · 4.125%
HK$133,445
baseline
▲ 0.50% · 4.625%
HK$141,565
+HK$8,120/mo
Deposit HK$27.53M · loan HK$27.53M · min. income ≈ HK$266,890/mo (50% DSR)
Upfront cash ≈ HK$29.87M (deposit + AVD stamp duty HK$2,340,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,696
−HK$7,548/mo
▼ 0.25% · 3.875%
HK$143,443
−HK$3,801/mo
Today · 4.125%
HK$147,244
baseline
▲ 0.50% · 4.625%
HK$155,005
+HK$7,761/mo
Deposit HK$27.53M · loan HK$27.53M · min. income ≈ HK$294,488/mo (50% DSR)
Upfront cash ≈ HK$29.87M (deposit + AVD stamp duty HK$2,340,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,685
−HK$9,449/mo
▼ 0.25% · 3.875%
HK$155,372
−HK$4,762/mo
Today · 4.125%
HK$160,134
baseline
▲ 0.50% · 4.625%
HK$169,878
+HK$9,744/mo
Deposit HK$22.03M · loan HK$33.04M · min. income ≈ HK$320,268/mo (50% DSR)
Upfront cash ≈ HK$24.37M (deposit + AVD stamp duty HK$2,340,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,636
−HK$9,056/mo
▼ 0.25% · 3.875%
HK$172,131
−HK$4,561/mo
Today · 4.125%
HK$176,692
baseline
▲ 0.50% · 4.625%
HK$186,006
+HK$9,314/mo
Deposit HK$22.03M · loan HK$33.04M · min. income ≈ HK$353,384/mo (50% DSR)
Upfront cash ≈ HK$24.37M (deposit + AVD stamp duty HK$2,340,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,799
−HK$11,024/mo
▼ 0.25% · 3.875%
HK$181,268
−HK$5,555/mo
Today · 4.125%
HK$186,823
baseline
▲ 0.50% · 4.625%
HK$198,191
+HK$11,368/mo
Deposit HK$16.52M · loan HK$38.55M · min. income ≈ HK$373,646/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$2,340,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,575
−HK$10,566/mo
▼ 0.25% · 3.875%
HK$200,820
−HK$5,321/mo
Today · 4.125%
HK$206,141
baseline
▲ 0.50% · 4.625%
HK$217,007
+HK$10,866/mo
Deposit HK$16.52M · loan HK$38.55M · min. income ≈ HK$412,282/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$2,340,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,028
−HK$14,173/mo
▼ 0.25% · 3.875%
HK$233,058
−HK$7,143/mo
Today · 4.125%
HK$240,201
baseline
▲ 0.50% · 4.625%
HK$254,817
+HK$14,616/mo
Deposit HK$5.51M · loan HK$49.56M · min. income ≈ HK$480,402/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$2,340,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,453
−HK$13,586/mo
▼ 0.25% · 3.875%
HK$258,197
−HK$6,842/mo
Today · 4.125%
HK$265,039
baseline
▲ 0.50% · 4.625%
HK$279,009
+HK$13,970/mo
Deposit HK$5.51M · loan HK$49.56M · min. income ≈ HK$530,078/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$2,340,422 · Scale 2, in force from 26 Feb 2026)