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$125,961
−HK$7,899/mo
▼ 0.25% · 3.875%
HK$129,879
−HK$3,981/mo
Today · 4.125%
HK$133,860
baseline
▲ 0.50% · 4.625%
HK$142,005
+HK$8,145/mo
Deposit HK$27.62M · loan HK$27.62M · min. income ≈ HK$267,720/mo (50% DSR)
Upfront cash ≈ HK$29.97M (deposit + AVD stamp duty HK$2,347,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,131
−HK$7,571/mo
▼ 0.25% · 3.875%
HK$143,889
−HK$3,813/mo
Today · 4.125%
HK$147,702
baseline
▲ 0.50% · 4.625%
HK$155,487
+HK$7,785/mo
Deposit HK$27.62M · loan HK$27.62M · min. income ≈ HK$295,404/mo (50% DSR)
Upfront cash ≈ HK$29.97M (deposit + AVD stamp duty HK$2,347,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,154
−HK$9,478/mo
▼ 0.25% · 3.875%
HK$155,855
−HK$4,777/mo
Today · 4.125%
HK$160,632
baseline
▲ 0.50% · 4.625%
HK$170,406
+HK$9,774/mo
Deposit HK$22.10M · loan HK$33.14M · min. income ≈ HK$321,264/mo (50% DSR)
Upfront cash ≈ HK$24.44M (deposit + AVD stamp duty HK$2,347,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,157
−HK$9,085/mo
▼ 0.25% · 3.875%
HK$172,667
−HK$4,575/mo
Today · 4.125%
HK$177,242
baseline
▲ 0.50% · 4.625%
HK$186,584
+HK$9,342/mo
Deposit HK$22.10M · loan HK$33.14M · min. income ≈ HK$354,484/mo (50% DSR)
Upfront cash ≈ HK$24.44M (deposit + AVD stamp duty HK$2,347,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,346
−HK$11,058/mo
▼ 0.25% · 3.875%
HK$181,831
−HK$5,573/mo
Today · 4.125%
HK$187,404
baseline
▲ 0.50% · 4.625%
HK$198,807
+HK$11,403/mo
Deposit HK$16.57M · loan HK$38.67M · min. income ≈ HK$374,808/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$2,347,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,183
−HK$10,599/mo
▼ 0.25% · 3.875%
HK$201,445
−HK$5,337/mo
Today · 4.125%
HK$206,782
baseline
▲ 0.50% · 4.625%
HK$217,682
+HK$10,900/mo
Deposit HK$16.57M · loan HK$38.67M · min. income ≈ HK$413,564/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$2,347,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,730
−HK$14,218/mo
▼ 0.25% · 3.875%
HK$233,783
−HK$7,165/mo
Today · 4.125%
HK$240,948
baseline
▲ 0.50% · 4.625%
HK$255,610
+HK$14,662/mo
Deposit HK$5.52M · loan HK$49.72M · min. income ≈ HK$481,896/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$2,347,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,235
−HK$13,628/mo
▼ 0.25% · 3.875%
HK$259,000
−HK$6,863/mo
Today · 4.125%
HK$265,863
baseline
▲ 0.50% · 4.625%
HK$279,877
+HK$14,014/mo
Deposit HK$5.52M · loan HK$49.72M · min. income ≈ HK$531,726/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$2,347,700 · Scale 2, in force from 26 Feb 2026)