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$125,782
−HK$7,887/mo
▼ 0.25% · 3.875%
HK$129,694
−HK$3,975/mo
Today · 4.125%
HK$133,669
baseline
▲ 0.50% · 4.625%
HK$141,803
+HK$8,134/mo
Deposit HK$27.58M · loan HK$27.58M · min. income ≈ HK$267,338/mo (50% DSR)
Upfront cash ≈ HK$29.92M (deposit + AVD stamp duty HK$2,344,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,931
−HK$7,560/mo
▼ 0.25% · 3.875%
HK$143,684
−HK$3,807/mo
Today · 4.125%
HK$147,491
baseline
▲ 0.50% · 4.625%
HK$155,265
+HK$7,774/mo
Deposit HK$27.58M · loan HK$27.58M · min. income ≈ HK$294,982/mo (50% DSR)
Upfront cash ≈ HK$29.92M (deposit + AVD stamp duty HK$2,344,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,938
−HK$9,465/mo
▼ 0.25% · 3.875%
HK$155,633
−HK$4,770/mo
Today · 4.125%
HK$160,403
baseline
▲ 0.50% · 4.625%
HK$170,163
+HK$9,760/mo
Deposit HK$22.06M · loan HK$33.10M · min. income ≈ HK$320,806/mo (50% DSR)
Upfront cash ≈ HK$24.41M (deposit + AVD stamp duty HK$2,344,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,917
−HK$9,072/mo
▼ 0.25% · 3.875%
HK$172,421
−HK$4,568/mo
Today · 4.125%
HK$176,989
baseline
▲ 0.50% · 4.625%
HK$186,319
+HK$9,330/mo
Deposit HK$22.06M · loan HK$33.10M · min. income ≈ HK$353,978/mo (50% DSR)
Upfront cash ≈ HK$24.41M (deposit + AVD stamp duty HK$2,344,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,094
−HK$11,043/mo
▼ 0.25% · 3.875%
HK$181,572
−HK$5,565/mo
Today · 4.125%
HK$187,137
baseline
▲ 0.50% · 4.625%
HK$198,524
+HK$11,387/mo
Deposit HK$16.55M · loan HK$38.61M · min. income ≈ HK$374,274/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$2,344,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,903
−HK$10,584/mo
▼ 0.25% · 3.875%
HK$201,157
−HK$5,330/mo
Today · 4.125%
HK$206,487
baseline
▲ 0.50% · 4.625%
HK$217,372
+HK$10,885/mo
Deposit HK$16.55M · loan HK$38.61M · min. income ≈ HK$412,974/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$2,344,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,407
−HK$14,198/mo
▼ 0.25% · 3.875%
HK$233,450
−HK$7,155/mo
Today · 4.125%
HK$240,605
baseline
▲ 0.50% · 4.625%
HK$255,245
+HK$14,640/mo
Deposit HK$5.52M · loan HK$49.65M · min. income ≈ HK$481,210/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$2,344,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,876
−HK$13,608/mo
▼ 0.25% · 3.875%
HK$258,631
−HK$6,853/mo
Today · 4.125%
HK$265,484
baseline
▲ 0.50% · 4.625%
HK$279,478
+HK$13,994/mo
Deposit HK$5.52M · loan HK$49.65M · min. income ≈ HK$530,968/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$2,344,353 · Scale 2, in force from 26 Feb 2026)