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$126,611
−HK$7,940/mo
▼ 0.25% · 3.875%
HK$130,550
−HK$4,001/mo
Today · 4.125%
HK$134,551
baseline
▲ 0.50% · 4.625%
HK$142,738
+HK$8,187/mo
Deposit HK$27.76M · loan HK$27.76M · min. income ≈ HK$269,102/mo (50% DSR)
Upfront cash ≈ HK$30.12M (deposit + AVD stamp duty HK$2,359,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,854
−HK$7,610/mo
▼ 0.25% · 3.875%
HK$144,632
−HK$3,832/mo
Today · 4.125%
HK$148,464
baseline
▲ 0.50% · 4.625%
HK$156,290
+HK$7,826/mo
Deposit HK$27.76M · loan HK$27.76M · min. income ≈ HK$296,928/mo (50% DSR)
Upfront cash ≈ HK$30.12M (deposit + AVD stamp duty HK$2,359,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,934
−HK$9,527/mo
▼ 0.25% · 3.875%
HK$156,660
−HK$4,801/mo
Today · 4.125%
HK$161,461
baseline
▲ 0.50% · 4.625%
HK$171,286
+HK$9,825/mo
Deposit HK$22.21M · loan HK$33.32M · min. income ≈ HK$322,922/mo (50% DSR)
Upfront cash ≈ HK$24.57M (deposit + AVD stamp duty HK$2,359,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,025
−HK$9,132/mo
▼ 0.25% · 3.875%
HK$173,558
−HK$4,599/mo
Today · 4.125%
HK$178,157
baseline
▲ 0.50% · 4.625%
HK$187,547
+HK$9,390/mo
Deposit HK$22.21M · loan HK$33.32M · min. income ≈ HK$356,314/mo (50% DSR)
Upfront cash ≈ HK$24.57M (deposit + AVD stamp duty HK$2,359,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,256
−HK$11,116/mo
▼ 0.25% · 3.875%
HK$182,770
−HK$5,602/mo
Today · 4.125%
HK$188,372
baseline
▲ 0.50% · 4.625%
HK$199,833
+HK$11,461/mo
Deposit HK$16.66M · loan HK$38.87M · min. income ≈ HK$376,744/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$2,359,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,196
−HK$10,653/mo
▼ 0.25% · 3.875%
HK$202,484
−HK$5,365/mo
Today · 4.125%
HK$207,849
baseline
▲ 0.50% · 4.625%
HK$218,805
+HK$10,956/mo
Deposit HK$16.66M · loan HK$38.87M · min. income ≈ HK$415,698/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$2,359,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,901
−HK$14,291/mo
▼ 0.25% · 3.875%
HK$234,990
−HK$7,202/mo
Today · 4.125%
HK$242,192
baseline
▲ 0.50% · 4.625%
HK$256,929
+HK$14,737/mo
Deposit HK$5.55M · loan HK$49.97M · min. income ≈ HK$484,384/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$2,359,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,537
−HK$13,698/mo
▼ 0.25% · 3.875%
HK$260,337
−HK$6,898/mo
Today · 4.125%
HK$267,235
baseline
▲ 0.50% · 4.625%
HK$281,321
+HK$14,086/mo
Deposit HK$5.55M · loan HK$49.97M · min. income ≈ HK$534,470/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$2,359,816 · Scale 2, in force from 26 Feb 2026)