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$126,786
−HK$7,950/mo
▼ 0.25% · 3.875%
HK$130,729
−HK$4,007/mo
Today · 4.125%
HK$134,736
baseline
▲ 0.50% · 4.625%
HK$142,935
+HK$8,199/mo
Deposit HK$27.80M · loan HK$27.80M · min. income ≈ HK$269,472/mo (50% DSR)
Upfront cash ≈ HK$30.16M (deposit + AVD stamp duty HK$2,363,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,048
−HK$7,620/mo
▼ 0.25% · 3.875%
HK$144,831
−HK$3,837/mo
Today · 4.125%
HK$148,668
baseline
▲ 0.50% · 4.625%
HK$156,505
+HK$7,837/mo
Deposit HK$27.80M · loan HK$27.80M · min. income ≈ HK$297,336/mo (50% DSR)
Upfront cash ≈ HK$30.16M (deposit + AVD stamp duty HK$2,363,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,143
−HK$9,541/mo
▼ 0.25% · 3.875%
HK$156,875
−HK$4,809/mo
Today · 4.125%
HK$161,684
baseline
▲ 0.50% · 4.625%
HK$171,522
+HK$9,838/mo
Deposit HK$22.24M · loan HK$33.36M · min. income ≈ HK$323,368/mo (50% DSR)
Upfront cash ≈ HK$24.60M (deposit + AVD stamp duty HK$2,363,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,257
−HK$9,145/mo
▼ 0.25% · 3.875%
HK$173,797
−HK$4,605/mo
Today · 4.125%
HK$178,402
baseline
▲ 0.50% · 4.625%
HK$187,806
+HK$9,404/mo
Deposit HK$22.24M · loan HK$33.36M · min. income ≈ HK$356,804/mo (50% DSR)
Upfront cash ≈ HK$24.60M (deposit + AVD stamp duty HK$2,363,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,500
−HK$11,131/mo
▼ 0.25% · 3.875%
HK$183,021
−HK$5,610/mo
Today · 4.125%
HK$188,631
baseline
▲ 0.50% · 4.625%
HK$200,109
+HK$11,478/mo
Deposit HK$16.68M · loan HK$38.92M · min. income ≈ HK$377,262/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$2,363,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,467
−HK$10,669/mo
▼ 0.25% · 3.875%
HK$202,763
−HK$5,373/mo
Today · 4.125%
HK$208,136
baseline
▲ 0.50% · 4.625%
HK$219,107
+HK$10,971/mo
Deposit HK$16.68M · loan HK$38.92M · min. income ≈ HK$416,272/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$2,363,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,214
−HK$14,311/mo
▼ 0.25% · 3.875%
HK$235,313
−HK$7,212/mo
Today · 4.125%
HK$242,525
baseline
▲ 0.50% · 4.625%
HK$257,282
+HK$14,757/mo
Deposit HK$5.56M · loan HK$50.04M · min. income ≈ HK$485,050/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$2,363,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,886
−HK$13,717/mo
▼ 0.25% · 3.875%
HK$260,695
−HK$6,908/mo
Today · 4.125%
HK$267,603
baseline
▲ 0.50% · 4.625%
HK$281,709
+HK$14,106/mo
Deposit HK$5.56M · loan HK$50.04M · min. income ≈ HK$535,206/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$2,363,065 · Scale 2, in force from 26 Feb 2026)