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$126,553
−HK$7,936/mo
▼ 0.25% · 3.875%
HK$130,490
−HK$3,999/mo
Today · 4.125%
HK$134,489
baseline
▲ 0.50% · 4.625%
HK$142,672
+HK$8,183/mo
Deposit HK$27.75M · loan HK$27.75M · min. income ≈ HK$268,978/mo (50% DSR)
Upfront cash ≈ HK$30.11M (deposit + AVD stamp duty HK$2,358,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,789
−HK$7,606/mo
▼ 0.25% · 3.875%
HK$144,565
−HK$3,830/mo
Today · 4.125%
HK$148,395
baseline
▲ 0.50% · 4.625%
HK$156,217
+HK$7,822/mo
Deposit HK$27.75M · loan HK$27.75M · min. income ≈ HK$296,790/mo (50% DSR)
Upfront cash ≈ HK$30.11M (deposit + AVD stamp duty HK$2,358,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,864
−HK$9,523/mo
▼ 0.25% · 3.875%
HK$156,587
−HK$4,800/mo
Today · 4.125%
HK$161,387
baseline
▲ 0.50% · 4.625%
HK$171,207
+HK$9,820/mo
Deposit HK$22.20M · loan HK$33.30M · min. income ≈ HK$322,774/mo (50% DSR)
Upfront cash ≈ HK$24.56M (deposit + AVD stamp duty HK$2,358,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,947
−HK$9,127/mo
▼ 0.25% · 3.875%
HK$173,478
−HK$4,596/mo
Today · 4.125%
HK$178,074
baseline
▲ 0.50% · 4.625%
HK$187,461
+HK$9,387/mo
Deposit HK$22.20M · loan HK$33.30M · min. income ≈ HK$356,148/mo (50% DSR)
Upfront cash ≈ HK$24.56M (deposit + AVD stamp duty HK$2,358,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,174
−HK$11,111/mo
▼ 0.25% · 3.875%
HK$182,685
−HK$5,600/mo
Today · 4.125%
HK$188,285
baseline
▲ 0.50% · 4.625%
HK$199,741
+HK$11,456/mo
Deposit HK$16.65M · loan HK$38.85M · min. income ≈ HK$376,570/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$2,358,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,105
−HK$10,648/mo
▼ 0.25% · 3.875%
HK$202,391
−HK$5,362/mo
Today · 4.125%
HK$207,753
baseline
▲ 0.50% · 4.625%
HK$218,704
+HK$10,951/mo
Deposit HK$16.65M · loan HK$38.85M · min. income ≈ HK$415,506/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$2,358,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,795
−HK$14,285/mo
▼ 0.25% · 3.875%
HK$234,881
−HK$7,199/mo
Today · 4.125%
HK$242,080
baseline
▲ 0.50% · 4.625%
HK$256,810
+HK$14,730/mo
Deposit HK$5.55M · loan HK$49.95M · min. income ≈ HK$484,160/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$2,358,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,420
−HK$13,692/mo
▼ 0.25% · 3.875%
HK$260,217
−HK$6,895/mo
Today · 4.125%
HK$267,112
baseline
▲ 0.50% · 4.625%
HK$281,191
+HK$14,079/mo
Deposit HK$5.55M · loan HK$49.95M · min. income ≈ HK$534,224/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$2,358,727 · Scale 2, in force from 26 Feb 2026)