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$127,457
−HK$7,993/mo
▼ 0.25% · 3.875%
HK$131,422
−HK$4,028/mo
Today · 4.125%
HK$135,450
baseline
▲ 0.50% · 4.625%
HK$143,691
+HK$8,241/mo
Deposit HK$27.95M · loan HK$27.95M · min. income ≈ HK$270,900/mo (50% DSR)
Upfront cash ≈ HK$30.32M (deposit + AVD stamp duty HK$2,375,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,795
−HK$7,660/mo
▼ 0.25% · 3.875%
HK$145,597
−HK$3,858/mo
Today · 4.125%
HK$149,455
baseline
▲ 0.50% · 4.625%
HK$157,333
+HK$7,878/mo
Deposit HK$27.95M · loan HK$27.95M · min. income ≈ HK$298,910/mo (50% DSR)
Upfront cash ≈ HK$30.32M (deposit + AVD stamp duty HK$2,375,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,948
−HK$9,592/mo
▼ 0.25% · 3.875%
HK$157,706
−HK$4,834/mo
Today · 4.125%
HK$162,540
baseline
▲ 0.50% · 4.625%
HK$172,430
+HK$9,890/mo
Deposit HK$22.36M · loan HK$33.54M · min. income ≈ HK$325,080/mo (50% DSR)
Upfront cash ≈ HK$24.73M (deposit + AVD stamp duty HK$2,375,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,154
−HK$9,192/mo
▼ 0.25% · 3.875%
HK$174,717
−HK$4,629/mo
Today · 4.125%
HK$179,346
baseline
▲ 0.50% · 4.625%
HK$188,800
+HK$9,454/mo
Deposit HK$22.36M · loan HK$33.54M · min. income ≈ HK$358,692/mo (50% DSR)
Upfront cash ≈ HK$24.73M (deposit + AVD stamp duty HK$2,375,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,440
−HK$11,190/mo
▼ 0.25% · 3.875%
HK$183,990
−HK$5,640/mo
Today · 4.125%
HK$189,630
baseline
▲ 0.50% · 4.625%
HK$201,168
+HK$11,538/mo
Deposit HK$16.77M · loan HK$39.13M · min. income ≈ HK$379,260/mo (50% DSR)
Upfront cash ≈ HK$19.14M (deposit + AVD stamp duty HK$2,375,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,512
−HK$10,725/mo
▼ 0.25% · 3.875%
HK$203,836
−HK$5,401/mo
Today · 4.125%
HK$209,237
baseline
▲ 0.50% · 4.625%
HK$220,267
+HK$11,030/mo
Deposit HK$16.77M · loan HK$39.13M · min. income ≈ HK$418,474/mo (50% DSR)
Upfront cash ≈ HK$19.14M (deposit + AVD stamp duty HK$2,375,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,423
−HK$14,386/mo
▼ 0.25% · 3.875%
HK$236,559
−HK$7,250/mo
Today · 4.125%
HK$243,809
baseline
▲ 0.50% · 4.625%
HK$258,645
+HK$14,836/mo
Deposit HK$5.59M · loan HK$50.31M · min. income ≈ HK$487,618/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$2,375,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,230
−HK$13,790/mo
▼ 0.25% · 3.875%
HK$262,075
−HK$6,945/mo
Today · 4.125%
HK$269,020
baseline
▲ 0.50% · 4.625%
HK$283,200
+HK$14,180/mo
Deposit HK$5.59M · loan HK$50.31M · min. income ≈ HK$538,040/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$2,375,576 · Scale 2, in force from 26 Feb 2026)