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$126,414
−HK$7,927/mo
▼ 0.25% · 3.875%
HK$130,346
−HK$3,995/mo
Today · 4.125%
HK$134,341
baseline
▲ 0.50% · 4.625%
HK$142,516
+HK$8,175/mo
Deposit HK$27.72M · loan HK$27.72M · min. income ≈ HK$268,682/mo (50% DSR)
Upfront cash ≈ HK$30.08M (deposit + AVD stamp duty HK$2,356,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,635
−HK$7,598/mo
▼ 0.25% · 3.875%
HK$144,406
−HK$3,827/mo
Today · 4.125%
HK$148,233
baseline
▲ 0.50% · 4.625%
HK$156,046
+HK$7,813/mo
Deposit HK$27.72M · loan HK$27.72M · min. income ≈ HK$296,466/mo (50% DSR)
Upfront cash ≈ HK$30.08M (deposit + AVD stamp duty HK$2,356,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,697
−HK$9,513/mo
▼ 0.25% · 3.875%
HK$156,416
−HK$4,794/mo
Today · 4.125%
HK$161,210
baseline
▲ 0.50% · 4.625%
HK$171,019
+HK$9,809/mo
Deposit HK$22.18M · loan HK$33.26M · min. income ≈ HK$322,420/mo (50% DSR)
Upfront cash ≈ HK$24.53M (deposit + AVD stamp duty HK$2,356,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,761
−HK$9,118/mo
▼ 0.25% · 3.875%
HK$173,288
−HK$4,591/mo
Today · 4.125%
HK$177,879
baseline
▲ 0.50% · 4.625%
HK$187,255
+HK$9,376/mo
Deposit HK$22.18M · loan HK$33.26M · min. income ≈ HK$355,758/mo (50% DSR)
Upfront cash ≈ HK$24.53M (deposit + AVD stamp duty HK$2,356,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,980
−HK$11,098/mo
▼ 0.25% · 3.875%
HK$182,485
−HK$5,593/mo
Today · 4.125%
HK$188,078
baseline
▲ 0.50% · 4.625%
HK$199,522
+HK$11,444/mo
Deposit HK$16.63M · loan HK$38.81M · min. income ≈ HK$376,156/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$2,356,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,888
−HK$10,638/mo
▼ 0.25% · 3.875%
HK$202,169
−HK$5,357/mo
Today · 4.125%
HK$207,526
baseline
▲ 0.50% · 4.625%
HK$218,465
+HK$10,939/mo
Deposit HK$16.63M · loan HK$38.81M · min. income ≈ HK$415,052/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$2,356,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,546
−HK$14,269/mo
▼ 0.25% · 3.875%
HK$234,624
−HK$7,191/mo
Today · 4.125%
HK$241,815
baseline
▲ 0.50% · 4.625%
HK$256,529
+HK$14,714/mo
Deposit HK$5.54M · loan HK$49.89M · min. income ≈ HK$483,630/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$2,356,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,142
−HK$13,677/mo
▼ 0.25% · 3.875%
HK$259,931
−HK$6,888/mo
Today · 4.125%
HK$266,819
baseline
▲ 0.50% · 4.625%
HK$280,883
+HK$14,064/mo
Deposit HK$5.54M · loan HK$49.89M · min. income ≈ HK$533,638/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$2,356,141 · Scale 2, in force from 26 Feb 2026)