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$126,009
−HK$7,901/mo
▼ 0.25% · 3.875%
HK$129,928
−HK$3,982/mo
Today · 4.125%
HK$133,910
baseline
▲ 0.50% · 4.625%
HK$142,059
+HK$8,149/mo
Deposit HK$27.63M · loan HK$27.63M · min. income ≈ HK$267,820/mo (50% DSR)
Upfront cash ≈ HK$29.98M (deposit + AVD stamp duty HK$2,348,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,183
−HK$7,574/mo
▼ 0.25% · 3.875%
HK$143,943
−HK$3,814/mo
Today · 4.125%
HK$147,757
baseline
▲ 0.50% · 4.625%
HK$155,545
+HK$7,788/mo
Deposit HK$27.63M · loan HK$27.63M · min. income ≈ HK$295,514/mo (50% DSR)
Upfront cash ≈ HK$29.98M (deposit + AVD stamp duty HK$2,348,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,210
−HK$9,482/mo
▼ 0.25% · 3.875%
HK$155,914
−HK$4,778/mo
Today · 4.125%
HK$160,692
baseline
▲ 0.50% · 4.625%
HK$170,470
+HK$9,778/mo
Deposit HK$22.10M · loan HK$33.16M · min. income ≈ HK$321,384/mo (50% DSR)
Upfront cash ≈ HK$24.45M (deposit + AVD stamp duty HK$2,348,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,220
−HK$9,088/mo
▼ 0.25% · 3.875%
HK$172,731
−HK$4,577/mo
Today · 4.125%
HK$177,308
baseline
▲ 0.50% · 4.625%
HK$186,654
+HK$9,346/mo
Deposit HK$22.10M · loan HK$33.16M · min. income ≈ HK$354,616/mo (50% DSR)
Upfront cash ≈ HK$24.45M (deposit + AVD stamp duty HK$2,348,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,412
−HK$11,063/mo
▼ 0.25% · 3.875%
HK$181,899
−HK$5,576/mo
Today · 4.125%
HK$187,475
baseline
▲ 0.50% · 4.625%
HK$198,882
+HK$11,407/mo
Deposit HK$16.58M · loan HK$38.68M · min. income ≈ HK$374,950/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$2,348,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,257
−HK$10,603/mo
▼ 0.25% · 3.875%
HK$201,520
−HK$5,340/mo
Today · 4.125%
HK$206,860
baseline
▲ 0.50% · 4.625%
HK$217,764
+HK$10,904/mo
Deposit HK$16.58M · loan HK$38.68M · min. income ≈ HK$413,720/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$2,348,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,815
−HK$14,224/mo
▼ 0.25% · 3.875%
HK$233,871
−HK$7,168/mo
Today · 4.125%
HK$241,039
baseline
▲ 0.50% · 4.625%
HK$255,705
+HK$14,666/mo
Deposit HK$5.53M · loan HK$49.73M · min. income ≈ HK$482,078/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$2,348,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,330
−HK$13,632/mo
▼ 0.25% · 3.875%
HK$259,097
−HK$6,865/mo
Today · 4.125%
HK$265,962
baseline
▲ 0.50% · 4.625%
HK$279,982
+HK$14,020/mo
Deposit HK$5.53M · loan HK$49.73M · min. income ≈ HK$531,924/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$2,348,580 · Scale 2, in force from 26 Feb 2026)