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$126,692
−HK$7,945/mo
▼ 0.25% · 3.875%
HK$130,633
−HK$4,004/mo
Today · 4.125%
HK$134,637
baseline
▲ 0.50% · 4.625%
HK$142,829
+HK$8,192/mo
Deposit HK$27.78M · loan HK$27.78M · min. income ≈ HK$269,274/mo (50% DSR)
Upfront cash ≈ HK$30.14M (deposit + AVD stamp duty HK$2,361,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,944
−HK$7,614/mo
▼ 0.25% · 3.875%
HK$144,724
−HK$3,834/mo
Today · 4.125%
HK$148,558
baseline
▲ 0.50% · 4.625%
HK$156,389
+HK$7,831/mo
Deposit HK$27.78M · loan HK$27.78M · min. income ≈ HK$297,116/mo (50% DSR)
Upfront cash ≈ HK$30.14M (deposit + AVD stamp duty HK$2,361,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,030
−HK$9,534/mo
▼ 0.25% · 3.875%
HK$156,759
−HK$4,805/mo
Today · 4.125%
HK$161,564
baseline
▲ 0.50% · 4.625%
HK$171,395
+HK$9,831/mo
Deposit HK$22.22M · loan HK$33.34M · min. income ≈ HK$323,128/mo (50% DSR)
Upfront cash ≈ HK$24.59M (deposit + AVD stamp duty HK$2,361,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,132
−HK$9,138/mo
▼ 0.25% · 3.875%
HK$173,668
−HK$4,602/mo
Today · 4.125%
HK$178,270
baseline
▲ 0.50% · 4.625%
HK$187,667
+HK$9,397/mo
Deposit HK$22.22M · loan HK$33.34M · min. income ≈ HK$356,540/mo (50% DSR)
Upfront cash ≈ HK$24.59M (deposit + AVD stamp duty HK$2,361,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,369
−HK$11,122/mo
▼ 0.25% · 3.875%
HK$182,886
−HK$5,605/mo
Today · 4.125%
HK$188,491
baseline
▲ 0.50% · 4.625%
HK$199,961
+HK$11,470/mo
Deposit HK$16.67M · loan HK$38.89M · min. income ≈ HK$376,982/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$2,361,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,321
−HK$10,661/mo
▼ 0.25% · 3.875%
HK$202,613
−HK$5,369/mo
Today · 4.125%
HK$207,982
baseline
▲ 0.50% · 4.625%
HK$218,945
+HK$10,963/mo
Deposit HK$16.67M · loan HK$38.89M · min. income ≈ HK$415,964/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$2,361,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,046
−HK$14,300/mo
▼ 0.25% · 3.875%
HK$235,139
−HK$7,207/mo
Today · 4.125%
HK$242,346
baseline
▲ 0.50% · 4.625%
HK$257,092
+HK$14,746/mo
Deposit HK$5.56M · loan HK$50.00M · min. income ≈ HK$484,692/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$2,361,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,699
−HK$13,706/mo
▼ 0.25% · 3.875%
HK$260,503
−HK$6,902/mo
Today · 4.125%
HK$267,405
baseline
▲ 0.50% · 4.625%
HK$281,500
+HK$14,095/mo
Deposit HK$5.56M · loan HK$50.00M · min. income ≈ HK$534,810/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$2,361,319 · Scale 2, in force from 26 Feb 2026)