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$123,927
−HK$7,771/mo
▼ 0.25% · 3.875%
HK$127,781
−HK$3,917/mo
Today · 4.125%
HK$131,698
baseline
▲ 0.50% · 4.625%
HK$139,711
+HK$8,013/mo
Deposit HK$27.17M · loan HK$27.17M · min. income ≈ HK$263,396/mo (50% DSR)
Upfront cash ≈ HK$29.48M (deposit + AVD stamp duty HK$2,309,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,867
−HK$7,449/mo
▼ 0.25% · 3.875%
HK$141,565
−HK$3,751/mo
Today · 4.125%
HK$145,316
baseline
▲ 0.50% · 4.625%
HK$152,975
+HK$7,659/mo
Deposit HK$27.17M · loan HK$27.17M · min. income ≈ HK$290,632/mo (50% DSR)
Upfront cash ≈ HK$29.48M (deposit + AVD stamp duty HK$2,309,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,712
−HK$9,326/mo
▼ 0.25% · 3.875%
HK$153,338
−HK$4,700/mo
Today · 4.125%
HK$158,038
baseline
▲ 0.50% · 4.625%
HK$167,654
+HK$9,616/mo
Deposit HK$21.74M · loan HK$32.61M · min. income ≈ HK$316,076/mo (50% DSR)
Upfront cash ≈ HK$24.05M (deposit + AVD stamp duty HK$2,309,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,441
−HK$8,938/mo
▼ 0.25% · 3.875%
HK$169,878
−HK$4,501/mo
Today · 4.125%
HK$174,379
baseline
▲ 0.50% · 4.625%
HK$183,571
+HK$9,192/mo
Deposit HK$21.74M · loan HK$32.61M · min. income ≈ HK$348,758/mo (50% DSR)
Upfront cash ≈ HK$24.05M (deposit + AVD stamp duty HK$2,309,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,497
−HK$10,880/mo
▼ 0.25% · 3.875%
HK$178,894
−HK$5,483/mo
Today · 4.125%
HK$184,377
baseline
▲ 0.50% · 4.625%
HK$195,596
+HK$11,219/mo
Deposit HK$16.30M · loan HK$38.04M · min. income ≈ HK$368,754/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$2,309,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,014
−HK$10,428/mo
▼ 0.25% · 3.875%
HK$198,191
−HK$5,251/mo
Today · 4.125%
HK$203,442
baseline
▲ 0.50% · 4.625%
HK$214,166
+HK$10,724/mo
Deposit HK$16.30M · loan HK$38.04M · min. income ≈ HK$406,884/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$2,309,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,068
−HK$13,988/mo
▼ 0.25% · 3.875%
HK$230,007
−HK$7,049/mo
Today · 4.125%
HK$237,056
baseline
▲ 0.50% · 4.625%
HK$251,481
+HK$14,425/mo
Deposit HK$5.43M · loan HK$48.91M · min. income ≈ HK$474,112/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$2,309,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,161
−HK$13,407/mo
▼ 0.25% · 3.875%
HK$254,816
−HK$6,752/mo
Today · 4.125%
HK$261,568
baseline
▲ 0.50% · 4.625%
HK$275,356
+HK$13,788/mo
Deposit HK$5.43M · loan HK$48.91M · min. income ≈ HK$523,136/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$2,309,777 · Scale 2, in force from 26 Feb 2026)