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$126,165
−HK$7,911/mo
▼ 0.25% · 3.875%
HK$130,089
−HK$3,987/mo
Today · 4.125%
HK$134,076
baseline
▲ 0.50% · 4.625%
HK$142,235
+HK$8,159/mo
Deposit HK$27.66M · loan HK$27.66M · min. income ≈ HK$268,152/mo (50% DSR)
Upfront cash ≈ HK$30.02M (deposit + AVD stamp duty HK$2,351,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,357
−HK$7,583/mo
▼ 0.25% · 3.875%
HK$144,121
−HK$3,819/mo
Today · 4.125%
HK$147,940
baseline
▲ 0.50% · 4.625%
HK$155,738
+HK$7,798/mo
Deposit HK$27.66M · loan HK$27.66M · min. income ≈ HK$295,880/mo (50% DSR)
Upfront cash ≈ HK$30.02M (deposit + AVD stamp duty HK$2,351,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,398
−HK$9,494/mo
▼ 0.25% · 3.875%
HK$156,107
−HK$4,785/mo
Today · 4.125%
HK$160,892
baseline
▲ 0.50% · 4.625%
HK$170,681
+HK$9,789/mo
Deposit HK$22.13M · loan HK$33.20M · min. income ≈ HK$321,784/mo (50% DSR)
Upfront cash ≈ HK$24.48M (deposit + AVD stamp duty HK$2,351,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,428
−HK$9,100/mo
▼ 0.25% · 3.875%
HK$172,945
−HK$4,583/mo
Today · 4.125%
HK$177,528
baseline
▲ 0.50% · 4.625%
HK$186,886
+HK$9,358/mo
Deposit HK$22.13M · loan HK$33.20M · min. income ≈ HK$355,056/mo (50% DSR)
Upfront cash ≈ HK$24.48M (deposit + AVD stamp duty HK$2,351,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,631
−HK$11,076/mo
▼ 0.25% · 3.875%
HK$182,125
−HK$5,582/mo
Today · 4.125%
HK$187,707
baseline
▲ 0.50% · 4.625%
HK$199,128
+HK$11,421/mo
Deposit HK$16.60M · loan HK$38.73M · min. income ≈ HK$375,414/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$2,351,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,500
−HK$10,616/mo
▼ 0.25% · 3.875%
HK$201,770
−HK$5,346/mo
Today · 4.125%
HK$207,116
baseline
▲ 0.50% · 4.625%
HK$218,033
+HK$10,917/mo
Deposit HK$16.60M · loan HK$38.73M · min. income ≈ HK$414,232/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$2,351,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,096
−HK$14,241/mo
▼ 0.25% · 3.875%
HK$234,160
−HK$7,177/mo
Today · 4.125%
HK$241,337
baseline
▲ 0.50% · 4.625%
HK$256,022
+HK$14,685/mo
Deposit HK$5.53M · loan HK$49.80M · min. income ≈ HK$482,674/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$2,351,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,642
−HK$13,650/mo
▼ 0.25% · 3.875%
HK$259,418
−HK$6,874/mo
Today · 4.125%
HK$266,292
baseline
▲ 0.50% · 4.625%
HK$280,329
+HK$14,037/mo
Deposit HK$5.53M · loan HK$49.80M · min. income ≈ HK$532,584/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$2,351,490 · Scale 2, in force from 26 Feb 2026)