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$126,226
−HK$7,916/mo
▼ 0.25% · 3.875%
HK$130,153
−HK$3,989/mo
Today · 4.125%
HK$134,142
baseline
▲ 0.50% · 4.625%
HK$142,304
+HK$8,162/mo
Deposit HK$27.68M · loan HK$27.68M · min. income ≈ HK$268,284/mo (50% DSR)
Upfront cash ≈ HK$30.03M (deposit + AVD stamp duty HK$2,352,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,426
−HK$7,586/mo
▼ 0.25% · 3.875%
HK$144,192
−HK$3,820/mo
Today · 4.125%
HK$148,012
baseline
▲ 0.50% · 4.625%
HK$155,814
+HK$7,802/mo
Deposit HK$27.68M · loan HK$27.68M · min. income ≈ HK$296,024/mo (50% DSR)
Upfront cash ≈ HK$30.03M (deposit + AVD stamp duty HK$2,352,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,472
−HK$9,498/mo
▼ 0.25% · 3.875%
HK$156,183
−HK$4,787/mo
Today · 4.125%
HK$160,970
baseline
▲ 0.50% · 4.625%
HK$170,765
+HK$9,795/mo
Deposit HK$22.14M · loan HK$33.21M · min. income ≈ HK$321,940/mo (50% DSR)
Upfront cash ≈ HK$24.50M (deposit + AVD stamp duty HK$2,352,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,511
−HK$9,104/mo
▼ 0.25% · 3.875%
HK$173,030
−HK$4,585/mo
Today · 4.125%
HK$177,615
baseline
▲ 0.50% · 4.625%
HK$186,977
+HK$9,362/mo
Deposit HK$22.14M · loan HK$33.21M · min. income ≈ HK$355,230/mo (50% DSR)
Upfront cash ≈ HK$24.50M (deposit + AVD stamp duty HK$2,352,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,717
−HK$11,082/mo
▼ 0.25% · 3.875%
HK$182,214
−HK$5,585/mo
Today · 4.125%
HK$187,799
baseline
▲ 0.50% · 4.625%
HK$199,226
+HK$11,427/mo
Deposit HK$16.61M · loan HK$38.75M · min. income ≈ HK$375,598/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$2,352,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,596
−HK$10,621/mo
▼ 0.25% · 3.875%
HK$201,869
−HK$5,348/mo
Today · 4.125%
HK$207,217
baseline
▲ 0.50% · 4.625%
HK$218,140
+HK$10,923/mo
Deposit HK$16.61M · loan HK$38.75M · min. income ≈ HK$414,434/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$2,352,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,208
−HK$14,248/mo
▼ 0.25% · 3.875%
HK$234,275
−HK$7,181/mo
Today · 4.125%
HK$241,456
baseline
▲ 0.50% · 4.625%
HK$256,148
+HK$14,692/mo
Deposit HK$5.54M · loan HK$49.82M · min. income ≈ HK$482,912/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$2,352,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,766
−HK$13,656/mo
▼ 0.25% · 3.875%
HK$259,545
−HK$6,877/mo
Today · 4.125%
HK$266,422
baseline
▲ 0.50% · 4.625%
HK$280,466
+HK$14,044/mo
Deposit HK$5.54M · loan HK$49.82M · min. income ≈ HK$532,844/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$2,352,641 · Scale 2, in force from 26 Feb 2026)