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$124,215
−HK$7,790/mo
▼ 0.25% · 3.875%
HK$128,079
−HK$3,926/mo
Today · 4.125%
HK$132,005
baseline
▲ 0.50% · 4.625%
HK$140,037
+HK$8,032/mo
Deposit HK$27.24M · loan HK$27.24M · min. income ≈ HK$264,010/mo (50% DSR)
Upfront cash ≈ HK$29.55M (deposit + AVD stamp duty HK$2,315,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,188
−HK$7,466/mo
▼ 0.25% · 3.875%
HK$141,895
−HK$3,759/mo
Today · 4.125%
HK$145,654
baseline
▲ 0.50% · 4.625%
HK$153,332
+HK$7,678/mo
Deposit HK$27.24M · loan HK$27.24M · min. income ≈ HK$291,308/mo (50% DSR)
Upfront cash ≈ HK$29.55M (deposit + AVD stamp duty HK$2,315,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,058
−HK$9,348/mo
▼ 0.25% · 3.875%
HK$153,695
−HK$4,711/mo
Today · 4.125%
HK$158,406
baseline
▲ 0.50% · 4.625%
HK$168,044
+HK$9,638/mo
Deposit HK$21.79M · loan HK$32.68M · min. income ≈ HK$316,812/mo (50% DSR)
Upfront cash ≈ HK$24.10M (deposit + AVD stamp duty HK$2,315,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,826
−HK$8,959/mo
▼ 0.25% · 3.875%
HK$170,273
−HK$4,512/mo
Today · 4.125%
HK$174,785
baseline
▲ 0.50% · 4.625%
HK$183,998
+HK$9,213/mo
Deposit HK$21.79M · loan HK$32.68M · min. income ≈ HK$349,570/mo (50% DSR)
Upfront cash ≈ HK$24.10M (deposit + AVD stamp duty HK$2,315,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,902
−HK$10,905/mo
▼ 0.25% · 3.875%
HK$179,311
−HK$5,496/mo
Today · 4.125%
HK$184,807
baseline
▲ 0.50% · 4.625%
HK$196,052
+HK$11,245/mo
Deposit HK$16.34M · loan HK$38.13M · min. income ≈ HK$369,614/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$2,315,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,464
−HK$10,452/mo
▼ 0.25% · 3.875%
HK$198,652
−HK$5,264/mo
Today · 4.125%
HK$203,916
baseline
▲ 0.50% · 4.625%
HK$214,665
+HK$10,749/mo
Deposit HK$16.34M · loan HK$38.13M · min. income ≈ HK$407,832/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$2,315,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,588
−HK$14,021/mo
▼ 0.25% · 3.875%
HK$230,543
−HK$7,066/mo
Today · 4.125%
HK$237,609
baseline
▲ 0.50% · 4.625%
HK$252,067
+HK$14,458/mo
Deposit HK$5.45M · loan HK$49.03M · min. income ≈ HK$475,218/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$2,315,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,739
−HK$13,439/mo
▼ 0.25% · 3.875%
HK$255,410
−HK$6,768/mo
Today · 4.125%
HK$262,178
baseline
▲ 0.50% · 4.625%
HK$275,997
+HK$13,819/mo
Deposit HK$5.45M · loan HK$49.03M · min. income ≈ HK$524,356/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$2,315,159 · Scale 2, in force from 26 Feb 2026)