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$125,254
−HK$7,854/mo
▼ 0.25% · 3.875%
HK$129,150
−HK$3,958/mo
Today · 4.125%
HK$133,108
baseline
▲ 0.50% · 4.625%
HK$141,208
+HK$8,100/mo
Deposit HK$27.46M · loan HK$27.46M · min. income ≈ HK$266,216/mo (50% DSR)
Upfront cash ≈ HK$29.80M (deposit + AVD stamp duty HK$2,334,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,344
−HK$7,528/mo
▼ 0.25% · 3.875%
HK$143,081
−HK$3,791/mo
Today · 4.125%
HK$146,872
baseline
▲ 0.50% · 4.625%
HK$154,614
+HK$7,742/mo
Deposit HK$27.46M · loan HK$27.46M · min. income ≈ HK$293,744/mo (50% DSR)
Upfront cash ≈ HK$29.80M (deposit + AVD stamp duty HK$2,334,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,305
−HK$9,425/mo
▼ 0.25% · 3.875%
HK$154,980
−HK$4,750/mo
Today · 4.125%
HK$159,730
baseline
▲ 0.50% · 4.625%
HK$169,449
+HK$9,719/mo
Deposit HK$21.97M · loan HK$32.96M · min. income ≈ HK$319,460/mo (50% DSR)
Upfront cash ≈ HK$24.31M (deposit + AVD stamp duty HK$2,334,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,212
−HK$9,034/mo
▼ 0.25% · 3.875%
HK$171,697
−HK$4,549/mo
Today · 4.125%
HK$176,246
baseline
▲ 0.50% · 4.625%
HK$185,536
+HK$9,290/mo
Deposit HK$21.97M · loan HK$32.96M · min. income ≈ HK$352,492/mo (50% DSR)
Upfront cash ≈ HK$24.31M (deposit + AVD stamp duty HK$2,334,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,355
−HK$10,997/mo
▼ 0.25% · 3.875%
HK$180,810
−HK$5,542/mo
Today · 4.125%
HK$186,352
baseline
▲ 0.50% · 4.625%
HK$197,691
+HK$11,339/mo
Deposit HK$16.48M · loan HK$38.45M · min. income ≈ HK$372,704/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$2,334,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,081
−HK$10,540/mo
▼ 0.25% · 3.875%
HK$200,313
−HK$5,308/mo
Today · 4.125%
HK$205,621
baseline
▲ 0.50% · 4.625%
HK$216,459
+HK$10,838/mo
Deposit HK$16.48M · loan HK$38.45M · min. income ≈ HK$411,242/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$2,334,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,457
−HK$14,138/mo
▼ 0.25% · 3.875%
HK$232,470
−HK$7,125/mo
Today · 4.125%
HK$239,595
baseline
▲ 0.50% · 4.625%
HK$254,174
+HK$14,579/mo
Deposit HK$5.49M · loan HK$49.44M · min. income ≈ HK$479,190/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$2,334,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,818
−HK$13,551/mo
▼ 0.25% · 3.875%
HK$257,545
−HK$6,824/mo
Today · 4.125%
HK$264,369
baseline
▲ 0.50% · 4.625%
HK$278,305
+HK$13,936/mo
Deposit HK$5.49M · loan HK$49.44M · min. income ≈ HK$528,738/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$2,334,513 · Scale 2, in force from 26 Feb 2026)