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$126,509
−HK$7,934/mo
▼ 0.25% · 3.875%
HK$130,445
−HK$3,998/mo
Today · 4.125%
HK$134,443
baseline
▲ 0.50% · 4.625%
HK$142,623
+HK$8,180/mo
Deposit HK$27.74M · loan HK$27.74M · min. income ≈ HK$268,886/mo (50% DSR)
Upfront cash ≈ HK$30.10M (deposit + AVD stamp duty HK$2,357,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,740
−HK$7,604/mo
▼ 0.25% · 3.875%
HK$144,515
−HK$3,829/mo
Today · 4.125%
HK$148,344
baseline
▲ 0.50% · 4.625%
HK$156,164
+HK$7,820/mo
Deposit HK$27.74M · loan HK$27.74M · min. income ≈ HK$296,688/mo (50% DSR)
Upfront cash ≈ HK$30.10M (deposit + AVD stamp duty HK$2,357,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,811
−HK$9,520/mo
▼ 0.25% · 3.875%
HK$156,533
−HK$4,798/mo
Today · 4.125%
HK$161,331
baseline
▲ 0.50% · 4.625%
HK$171,148
+HK$9,817/mo
Deposit HK$22.19M · loan HK$33.29M · min. income ≈ HK$322,662/mo (50% DSR)
Upfront cash ≈ HK$24.55M (deposit + AVD stamp duty HK$2,357,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,889
−HK$9,124/mo
▼ 0.25% · 3.875%
HK$173,418
−HK$4,595/mo
Today · 4.125%
HK$178,013
baseline
▲ 0.50% · 4.625%
HK$187,396
+HK$9,383/mo
Deposit HK$22.19M · loan HK$33.29M · min. income ≈ HK$356,026/mo (50% DSR)
Upfront cash ≈ HK$24.55M (deposit + AVD stamp duty HK$2,357,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,113
−HK$11,107/mo
▼ 0.25% · 3.875%
HK$182,622
−HK$5,598/mo
Today · 4.125%
HK$188,220
baseline
▲ 0.50% · 4.625%
HK$199,672
+HK$11,452/mo
Deposit HK$16.64M · loan HK$38.84M · min. income ≈ HK$376,440/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$2,357,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,037
−HK$10,645/mo
▼ 0.25% · 3.875%
HK$202,321
−HK$5,361/mo
Today · 4.125%
HK$207,682
baseline
▲ 0.50% · 4.625%
HK$218,629
+HK$10,947/mo
Deposit HK$16.64M · loan HK$38.84M · min. income ≈ HK$415,364/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$2,357,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,717
−HK$14,280/mo
▼ 0.25% · 3.875%
HK$234,800
−HK$7,197/mo
Today · 4.125%
HK$241,997
baseline
▲ 0.50% · 4.625%
HK$256,722
+HK$14,725/mo
Deposit HK$5.55M · loan HK$49.93M · min. income ≈ HK$483,994/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$2,357,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,333
−HK$13,687/mo
▼ 0.25% · 3.875%
HK$260,127
−HK$6,893/mo
Today · 4.125%
HK$267,020
baseline
▲ 0.50% · 4.625%
HK$281,095
+HK$14,075/mo
Deposit HK$5.55M · loan HK$49.93M · min. income ≈ HK$534,040/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$2,357,915 · Scale 2, in force from 26 Feb 2026)