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$123,957
−HK$7,773/mo
▼ 0.25% · 3.875%
HK$127,813
−HK$3,917/mo
Today · 4.125%
HK$131,730
baseline
▲ 0.50% · 4.625%
HK$139,746
+HK$8,016/mo
Deposit HK$27.18M · loan HK$27.18M · min. income ≈ HK$263,460/mo (50% DSR)
Upfront cash ≈ HK$29.49M (deposit + AVD stamp duty HK$2,310,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,901
−HK$7,450/mo
▼ 0.25% · 3.875%
HK$141,599
−HK$3,752/mo
Today · 4.125%
HK$145,351
baseline
▲ 0.50% · 4.625%
HK$153,013
+HK$7,662/mo
Deposit HK$27.18M · loan HK$27.18M · min. income ≈ HK$290,702/mo (50% DSR)
Upfront cash ≈ HK$29.49M (deposit + AVD stamp duty HK$2,310,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,748
−HK$9,328/mo
▼ 0.25% · 3.875%
HK$153,375
−HK$4,701/mo
Today · 4.125%
HK$158,076
baseline
▲ 0.50% · 4.625%
HK$167,695
+HK$9,619/mo
Deposit HK$21.74M · loan HK$32.62M · min. income ≈ HK$316,152/mo (50% DSR)
Upfront cash ≈ HK$24.05M (deposit + AVD stamp duty HK$2,310,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,481
−HK$8,940/mo
▼ 0.25% · 3.875%
HK$169,919
−HK$4,502/mo
Today · 4.125%
HK$174,421
baseline
▲ 0.50% · 4.625%
HK$183,615
+HK$9,194/mo
Deposit HK$21.74M · loan HK$32.62M · min. income ≈ HK$348,842/mo (50% DSR)
Upfront cash ≈ HK$24.05M (deposit + AVD stamp duty HK$2,310,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,540
−HK$10,882/mo
▼ 0.25% · 3.875%
HK$178,938
−HK$5,484/mo
Today · 4.125%
HK$184,422
baseline
▲ 0.50% · 4.625%
HK$195,644
+HK$11,222/mo
Deposit HK$16.31M · loan HK$38.05M · min. income ≈ HK$368,844/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$2,310,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,061
−HK$10,431/mo
▼ 0.25% · 3.875%
HK$198,239
−HK$5,253/mo
Today · 4.125%
HK$203,492
baseline
▲ 0.50% · 4.625%
HK$214,218
+HK$10,726/mo
Deposit HK$16.31M · loan HK$38.05M · min. income ≈ HK$406,984/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$2,310,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,123
−HK$13,991/mo
▼ 0.25% · 3.875%
HK$230,063
−HK$7,051/mo
Today · 4.125%
HK$237,114
baseline
▲ 0.50% · 4.625%
HK$251,542
+HK$14,428/mo
Deposit HK$5.44M · loan HK$48.92M · min. income ≈ HK$474,228/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$2,310,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,222
−HK$13,410/mo
▼ 0.25% · 3.875%
HK$254,879
−HK$6,753/mo
Today · 4.125%
HK$261,632
baseline
▲ 0.50% · 4.625%
HK$275,423
+HK$13,791/mo
Deposit HK$5.44M · loan HK$48.92M · min. income ≈ HK$523,264/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$2,310,342 · Scale 2, in force from 26 Feb 2026)