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$126,854
−HK$7,955/mo
▼ 0.25% · 3.875%
HK$130,800
−HK$4,009/mo
Today · 4.125%
HK$134,809
baseline
▲ 0.50% · 4.625%
HK$143,012
+HK$8,203/mo
Deposit HK$27.82M · loan HK$27.82M · min. income ≈ HK$269,618/mo (50% DSR)
Upfront cash ≈ HK$30.18M (deposit + AVD stamp duty HK$2,364,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,124
−HK$7,624/mo
▼ 0.25% · 3.875%
HK$144,909
−HK$3,839/mo
Today · 4.125%
HK$148,748
baseline
▲ 0.50% · 4.625%
HK$156,589
+HK$7,841/mo
Deposit HK$27.82M · loan HK$27.82M · min. income ≈ HK$297,496/mo (50% DSR)
Upfront cash ≈ HK$30.18M (deposit + AVD stamp duty HK$2,364,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,225
−HK$9,546/mo
▼ 0.25% · 3.875%
HK$156,960
−HK$4,811/mo
Today · 4.125%
HK$161,771
baseline
▲ 0.50% · 4.625%
HK$171,614
+HK$9,843/mo
Deposit HK$22.25M · loan HK$33.38M · min. income ≈ HK$323,542/mo (50% DSR)
Upfront cash ≈ HK$24.62M (deposit + AVD stamp duty HK$2,364,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,348
−HK$9,150/mo
▼ 0.25% · 3.875%
HK$173,890
−HK$4,608/mo
Today · 4.125%
HK$178,498
baseline
▲ 0.50% · 4.625%
HK$187,907
+HK$9,409/mo
Deposit HK$22.25M · loan HK$33.38M · min. income ≈ HK$356,996/mo (50% DSR)
Upfront cash ≈ HK$24.62M (deposit + AVD stamp duty HK$2,364,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,596
−HK$11,136/mo
▼ 0.25% · 3.875%
HK$183,120
−HK$5,612/mo
Today · 4.125%
HK$188,732
baseline
▲ 0.50% · 4.625%
HK$200,216
+HK$11,484/mo
Deposit HK$16.69M · loan HK$38.94M · min. income ≈ HK$377,464/mo (50% DSR)
Upfront cash ≈ HK$19.05M (deposit + AVD stamp duty HK$2,364,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,573
−HK$10,674/mo
▼ 0.25% · 3.875%
HK$202,872
−HK$5,375/mo
Today · 4.125%
HK$208,247
baseline
▲ 0.50% · 4.625%
HK$219,224
+HK$10,977/mo
Deposit HK$16.69M · loan HK$38.94M · min. income ≈ HK$416,494/mo (50% DSR)
Upfront cash ≈ HK$19.05M (deposit + AVD stamp duty HK$2,364,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,337
−HK$14,319/mo
▼ 0.25% · 3.875%
HK$235,440
−HK$7,216/mo
Today · 4.125%
HK$242,656
baseline
▲ 0.50% · 4.625%
HK$257,421
+HK$14,765/mo
Deposit HK$5.56M · loan HK$50.07M · min. income ≈ HK$485,312/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$2,364,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,023
−HK$13,724/mo
▼ 0.25% · 3.875%
HK$260,835
−HK$6,912/mo
Today · 4.125%
HK$267,747
baseline
▲ 0.50% · 4.625%
HK$281,860
+HK$14,113/mo
Deposit HK$5.56M · loan HK$50.07M · min. income ≈ HK$535,494/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$2,364,336 · Scale 2, in force from 26 Feb 2026)