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$126,305
−HK$7,920/mo
▼ 0.25% · 3.875%
HK$130,234
−HK$3,991/mo
Today · 4.125%
HK$134,225
baseline
▲ 0.50% · 4.625%
HK$142,393
+HK$8,168/mo
Deposit HK$27.70M · loan HK$27.70M · min. income ≈ HK$268,450/mo (50% DSR)
Upfront cash ≈ HK$30.05M (deposit + AVD stamp duty HK$2,354,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,513
−HK$7,592/mo
▼ 0.25% · 3.875%
HK$144,282
−HK$3,823/mo
Today · 4.125%
HK$148,105
baseline
▲ 0.50% · 4.625%
HK$155,911
+HK$7,806/mo
Deposit HK$27.70M · loan HK$27.70M · min. income ≈ HK$296,210/mo (50% DSR)
Upfront cash ≈ HK$30.05M (deposit + AVD stamp duty HK$2,354,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,566
−HK$9,505/mo
▼ 0.25% · 3.875%
HK$156,281
−HK$4,790/mo
Today · 4.125%
HK$161,071
baseline
▲ 0.50% · 4.625%
HK$170,871
+HK$9,800/mo
Deposit HK$22.16M · loan HK$33.23M · min. income ≈ HK$322,142/mo (50% DSR)
Upfront cash ≈ HK$24.51M (deposit + AVD stamp duty HK$2,354,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,616
−HK$9,110/mo
▼ 0.25% · 3.875%
HK$173,138
−HK$4,588/mo
Today · 4.125%
HK$177,726
baseline
▲ 0.50% · 4.625%
HK$187,094
+HK$9,368/mo
Deposit HK$22.16M · loan HK$33.23M · min. income ≈ HK$355,452/mo (50% DSR)
Upfront cash ≈ HK$24.51M (deposit + AVD stamp duty HK$2,354,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,827
−HK$11,089/mo
▼ 0.25% · 3.875%
HK$182,327
−HK$5,589/mo
Today · 4.125%
HK$187,916
baseline
▲ 0.50% · 4.625%
HK$199,350
+HK$11,434/mo
Deposit HK$16.62M · loan HK$38.77M · min. income ≈ HK$375,832/mo (50% DSR)
Upfront cash ≈ HK$18.97M (deposit + AVD stamp duty HK$2,354,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,718
−HK$10,628/mo
▼ 0.25% · 3.875%
HK$201,994
−HK$5,352/mo
Today · 4.125%
HK$207,346
baseline
▲ 0.50% · 4.625%
HK$218,276
+HK$10,930/mo
Deposit HK$16.62M · loan HK$38.77M · min. income ≈ HK$414,692/mo (50% DSR)
Upfront cash ≈ HK$18.97M (deposit + AVD stamp duty HK$2,354,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,349
−HK$14,257/mo
▼ 0.25% · 3.875%
HK$234,421
−HK$7,185/mo
Today · 4.125%
HK$241,606
baseline
▲ 0.50% · 4.625%
HK$256,307
+HK$14,701/mo
Deposit HK$5.54M · loan HK$49.85M · min. income ≈ HK$483,212/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$2,354,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,924
−HK$13,664/mo
▼ 0.25% · 3.875%
HK$259,707
−HK$6,881/mo
Today · 4.125%
HK$266,588
baseline
▲ 0.50% · 4.625%
HK$280,640
+HK$14,052/mo
Deposit HK$5.54M · loan HK$49.85M · min. income ≈ HK$533,176/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$2,354,106 · Scale 2, in force from 26 Feb 2026)