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$127,549
−HK$7,998/mo
▼ 0.25% · 3.875%
HK$131,516
−HK$4,031/mo
Today · 4.125%
HK$135,547
baseline
▲ 0.50% · 4.625%
HK$143,795
+HK$8,248/mo
Deposit HK$27.97M · loan HK$27.97M · min. income ≈ HK$271,094/mo (50% DSR)
Upfront cash ≈ HK$30.35M (deposit + AVD stamp duty HK$2,377,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,897
−HK$7,666/mo
▼ 0.25% · 3.875%
HK$145,702
−HK$3,861/mo
Today · 4.125%
HK$149,563
baseline
▲ 0.50% · 4.625%
HK$157,446
+HK$7,883/mo
Deposit HK$27.97M · loan HK$27.97M · min. income ≈ HK$299,126/mo (50% DSR)
Upfront cash ≈ HK$30.35M (deposit + AVD stamp duty HK$2,377,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,058
−HK$9,598/mo
▼ 0.25% · 3.875%
HK$157,819
−HK$4,837/mo
Today · 4.125%
HK$162,656
baseline
▲ 0.50% · 4.625%
HK$172,554
+HK$9,898/mo
Deposit HK$22.37M · loan HK$33.56M · min. income ≈ HK$325,312/mo (50% DSR)
Upfront cash ≈ HK$24.75M (deposit + AVD stamp duty HK$2,377,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,276
−HK$9,199/mo
▼ 0.25% · 3.875%
HK$174,843
−HK$4,632/mo
Today · 4.125%
HK$179,475
baseline
▲ 0.50% · 4.625%
HK$188,936
+HK$9,461/mo
Deposit HK$22.37M · loan HK$33.56M · min. income ≈ HK$358,950/mo (50% DSR)
Upfront cash ≈ HK$24.75M (deposit + AVD stamp duty HK$2,377,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,568
−HK$11,198/mo
▼ 0.25% · 3.875%
HK$184,123
−HK$5,643/mo
Today · 4.125%
HK$189,766
baseline
▲ 0.50% · 4.625%
HK$201,313
+HK$11,547/mo
Deposit HK$16.78M · loan HK$39.16M · min. income ≈ HK$379,532/mo (50% DSR)
Upfront cash ≈ HK$19.16M (deposit + AVD stamp duty HK$2,377,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,655
−HK$10,733/mo
▼ 0.25% · 3.875%
HK$203,983
−HK$5,405/mo
Today · 4.125%
HK$209,388
baseline
▲ 0.50% · 4.625%
HK$220,425
+HK$11,037/mo
Deposit HK$16.78M · loan HK$39.16M · min. income ≈ HK$418,776/mo (50% DSR)
Upfront cash ≈ HK$19.16M (deposit + AVD stamp duty HK$2,377,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,587
−HK$14,398/mo
▼ 0.25% · 3.875%
HK$236,729
−HK$7,256/mo
Today · 4.125%
HK$243,985
baseline
▲ 0.50% · 4.625%
HK$258,831
+HK$14,846/mo
Deposit HK$5.59M · loan HK$50.34M · min. income ≈ HK$487,970/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$2,377,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,414
−HK$13,799/mo
▼ 0.25% · 3.875%
HK$262,264
−HK$6,949/mo
Today · 4.125%
HK$269,213
baseline
▲ 0.50% · 4.625%
HK$283,404
+HK$14,191/mo
Deposit HK$5.59M · loan HK$50.34M · min. income ≈ HK$538,426/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$2,377,284 · Scale 2, in force from 26 Feb 2026)