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$126,869
−HK$7,956/mo
▼ 0.25% · 3.875%
HK$130,815
−HK$4,010/mo
Today · 4.125%
HK$134,825
baseline
▲ 0.50% · 4.625%
HK$143,029
+HK$8,204/mo
Deposit HK$27.82M · loan HK$27.82M · min. income ≈ HK$269,650/mo (50% DSR)
Upfront cash ≈ HK$30.18M (deposit + AVD stamp duty HK$2,364,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,141
−HK$7,625/mo
▼ 0.25% · 3.875%
HK$144,926
−HK$3,840/mo
Today · 4.125%
HK$148,766
baseline
▲ 0.50% · 4.625%
HK$156,608
+HK$7,842/mo
Deposit HK$27.82M · loan HK$27.82M · min. income ≈ HK$297,532/mo (50% DSR)
Upfront cash ≈ HK$30.18M (deposit + AVD stamp duty HK$2,364,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,243
−HK$9,547/mo
▼ 0.25% · 3.875%
HK$156,978
−HK$4,812/mo
Today · 4.125%
HK$161,790
baseline
▲ 0.50% · 4.625%
HK$171,634
+HK$9,844/mo
Deposit HK$22.26M · loan HK$33.38M · min. income ≈ HK$323,580/mo (50% DSR)
Upfront cash ≈ HK$24.62M (deposit + AVD stamp duty HK$2,364,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,369
−HK$9,150/mo
▼ 0.25% · 3.875%
HK$173,911
−HK$4,608/mo
Today · 4.125%
HK$178,519
baseline
▲ 0.50% · 4.625%
HK$187,929
+HK$9,410/mo
Deposit HK$22.26M · loan HK$33.38M · min. income ≈ HK$357,038/mo (50% DSR)
Upfront cash ≈ HK$24.62M (deposit + AVD stamp duty HK$2,364,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,617
−HK$11,138/mo
▼ 0.25% · 3.875%
HK$183,142
−HK$5,613/mo
Today · 4.125%
HK$188,755
baseline
▲ 0.50% · 4.625%
HK$200,240
+HK$11,485/mo
Deposit HK$16.69M · loan HK$38.95M · min. income ≈ HK$377,510/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$2,364,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,597
−HK$10,675/mo
▼ 0.25% · 3.875%
HK$202,896
−HK$5,376/mo
Today · 4.125%
HK$208,272
baseline
▲ 0.50% · 4.625%
HK$219,251
+HK$10,979/mo
Deposit HK$16.69M · loan HK$38.95M · min. income ≈ HK$416,544/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$2,364,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,364
−HK$14,321/mo
▼ 0.25% · 3.875%
HK$235,468
−HK$7,217/mo
Today · 4.125%
HK$242,685
baseline
▲ 0.50% · 4.625%
HK$257,452
+HK$14,767/mo
Deposit HK$5.56M · loan HK$50.07M · min. income ≈ HK$485,370/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$2,364,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,053
−HK$13,726/mo
▼ 0.25% · 3.875%
HK$260,867
−HK$6,912/mo
Today · 4.125%
HK$267,779
baseline
▲ 0.50% · 4.625%
HK$281,894
+HK$14,115/mo
Deposit HK$5.56M · loan HK$50.07M · min. income ≈ HK$535,558/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$2,364,618 · Scale 2, in force from 26 Feb 2026)