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$124,422
−HK$7,802/mo
▼ 0.25% · 3.875%
HK$128,292
−HK$3,932/mo
Today · 4.125%
HK$132,224
baseline
▲ 0.50% · 4.625%
HK$140,270
+HK$8,046/mo
Deposit HK$27.28M · loan HK$27.28M · min. income ≈ HK$264,448/mo (50% DSR)
Upfront cash ≈ HK$29.60M (deposit + AVD stamp duty HK$2,319,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,418
−HK$7,479/mo
▼ 0.25% · 3.875%
HK$142,131
−HK$3,766/mo
Today · 4.125%
HK$145,897
baseline
▲ 0.50% · 4.625%
HK$153,587
+HK$7,690/mo
Deposit HK$27.28M · loan HK$27.28M · min. income ≈ HK$291,794/mo (50% DSR)
Upfront cash ≈ HK$29.60M (deposit + AVD stamp duty HK$2,319,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,307
−HK$9,362/mo
▼ 0.25% · 3.875%
HK$153,951
−HK$4,718/mo
Today · 4.125%
HK$158,669
baseline
▲ 0.50% · 4.625%
HK$168,324
+HK$9,655/mo
Deposit HK$21.83M · loan HK$32.74M · min. income ≈ HK$317,338/mo (50% DSR)
Upfront cash ≈ HK$24.14M (deposit + AVD stamp duty HK$2,319,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,102
−HK$8,974/mo
▼ 0.25% · 3.875%
HK$170,557
−HK$4,519/mo
Today · 4.125%
HK$175,076
baseline
▲ 0.50% · 4.625%
HK$184,304
+HK$9,228/mo
Deposit HK$21.83M · loan HK$32.74M · min. income ≈ HK$350,152/mo (50% DSR)
Upfront cash ≈ HK$24.14M (deposit + AVD stamp duty HK$2,319,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,191
−HK$10,923/mo
▼ 0.25% · 3.875%
HK$179,609
−HK$5,505/mo
Today · 4.125%
HK$185,114
baseline
▲ 0.50% · 4.625%
HK$196,378
+HK$11,264/mo
Deposit HK$16.37M · loan HK$38.20M · min. income ≈ HK$370,228/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$2,319,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,786
−HK$10,469/mo
▼ 0.25% · 3.875%
HK$198,983
−HK$5,272/mo
Today · 4.125%
HK$204,255
baseline
▲ 0.50% · 4.625%
HK$215,022
+HK$10,767/mo
Deposit HK$16.37M · loan HK$38.20M · min. income ≈ HK$408,510/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$2,319,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,960
−HK$14,044/mo
▼ 0.25% · 3.875%
HK$230,926
−HK$7,078/mo
Today · 4.125%
HK$238,004
baseline
▲ 0.50% · 4.625%
HK$252,486
+HK$14,482/mo
Deposit HK$5.46M · loan HK$49.11M · min. income ≈ HK$476,008/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$2,319,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,153
−HK$13,461/mo
▼ 0.25% · 3.875%
HK$255,835
−HK$6,779/mo
Today · 4.125%
HK$262,614
baseline
▲ 0.50% · 4.625%
HK$276,457
+HK$13,843/mo
Deposit HK$5.46M · loan HK$49.11M · min. income ≈ HK$525,228/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$2,319,011 · Scale 2, in force from 26 Feb 2026)