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$123,830
−HK$7,766/mo
▼ 0.25% · 3.875%
HK$127,682
−HK$3,914/mo
Today · 4.125%
HK$131,596
baseline
▲ 0.50% · 4.625%
HK$139,603
+HK$8,007/mo
Deposit HK$27.15M · loan HK$27.15M · min. income ≈ HK$263,192/mo (50% DSR)
Upfront cash ≈ HK$29.46M (deposit + AVD stamp duty HK$2,307,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,760
−HK$7,443/mo
▼ 0.25% · 3.875%
HK$141,455
−HK$3,748/mo
Today · 4.125%
HK$145,203
baseline
▲ 0.50% · 4.625%
HK$152,857
+HK$7,654/mo
Deposit HK$27.15M · loan HK$27.15M · min. income ≈ HK$290,406/mo (50% DSR)
Upfront cash ≈ HK$29.46M (deposit + AVD stamp duty HK$2,307,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,596
−HK$9,319/mo
▼ 0.25% · 3.875%
HK$153,219
−HK$4,696/mo
Today · 4.125%
HK$157,915
baseline
▲ 0.50% · 4.625%
HK$167,523
+HK$9,608/mo
Deposit HK$21.72M · loan HK$32.58M · min. income ≈ HK$315,830/mo (50% DSR)
Upfront cash ≈ HK$24.03M (deposit + AVD stamp duty HK$2,307,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,312
−HK$8,931/mo
▼ 0.25% · 3.875%
HK$169,746
−HK$4,497/mo
Today · 4.125%
HK$174,243
baseline
▲ 0.50% · 4.625%
HK$183,428
+HK$9,185/mo
Deposit HK$21.72M · loan HK$32.58M · min. income ≈ HK$348,486/mo (50% DSR)
Upfront cash ≈ HK$24.03M (deposit + AVD stamp duty HK$2,307,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,362
−HK$10,872/mo
▼ 0.25% · 3.875%
HK$178,755
−HK$5,479/mo
Today · 4.125%
HK$184,234
baseline
▲ 0.50% · 4.625%
HK$195,444
+HK$11,210/mo
Deposit HK$16.29M · loan HK$38.01M · min. income ≈ HK$368,468/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$2,307,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,864
−HK$10,420/mo
▼ 0.25% · 3.875%
HK$198,037
−HK$5,247/mo
Today · 4.125%
HK$203,284
baseline
▲ 0.50% · 4.625%
HK$213,999
+HK$10,715/mo
Deposit HK$16.29M · loan HK$38.01M · min. income ≈ HK$406,568/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$2,307,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,895
−HK$13,977/mo
▼ 0.25% · 3.875%
HK$229,828
−HK$7,044/mo
Today · 4.125%
HK$236,872
baseline
▲ 0.50% · 4.625%
HK$251,285
+HK$14,413/mo
Deposit HK$5.43M · loan HK$48.87M · min. income ≈ HK$473,744/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$2,307,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,968
−HK$13,397/mo
▼ 0.25% · 3.875%
HK$254,618
−HK$6,747/mo
Today · 4.125%
HK$261,365
baseline
▲ 0.50% · 4.625%
HK$275,142
+HK$13,777/mo
Deposit HK$5.43M · loan HK$48.87M · min. income ≈ HK$522,730/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$2,307,982 · Scale 2, in force from 26 Feb 2026)