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$124,443
−HK$7,803/mo
▼ 0.25% · 3.875%
HK$128,313
−HK$3,933/mo
Today · 4.125%
HK$132,246
baseline
▲ 0.50% · 4.625%
HK$140,293
+HK$8,047/mo
Deposit HK$27.29M · loan HK$27.29M · min. income ≈ HK$264,492/mo (50% DSR)
Upfront cash ≈ HK$29.61M (deposit + AVD stamp duty HK$2,319,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,441
−HK$7,480/mo
▼ 0.25% · 3.875%
HK$142,154
−HK$3,767/mo
Today · 4.125%
HK$145,921
baseline
▲ 0.50% · 4.625%
HK$153,612
+HK$7,691/mo
Deposit HK$27.29M · loan HK$27.29M · min. income ≈ HK$291,842/mo (50% DSR)
Upfront cash ≈ HK$29.61M (deposit + AVD stamp duty HK$2,319,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,331
−HK$9,364/mo
▼ 0.25% · 3.875%
HK$153,976
−HK$4,719/mo
Today · 4.125%
HK$158,695
baseline
▲ 0.50% · 4.625%
HK$168,352
+HK$9,657/mo
Deposit HK$21.83M · loan HK$32.74M · min. income ≈ HK$317,390/mo (50% DSR)
Upfront cash ≈ HK$24.15M (deposit + AVD stamp duty HK$2,319,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,129
−HK$8,976/mo
▼ 0.25% · 3.875%
HK$170,585
−HK$4,520/mo
Today · 4.125%
HK$175,105
baseline
▲ 0.50% · 4.625%
HK$184,335
+HK$9,230/mo
Deposit HK$21.83M · loan HK$32.74M · min. income ≈ HK$350,210/mo (50% DSR)
Upfront cash ≈ HK$24.15M (deposit + AVD stamp duty HK$2,319,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,220
−HK$10,925/mo
▼ 0.25% · 3.875%
HK$179,639
−HK$5,506/mo
Today · 4.125%
HK$185,145
baseline
▲ 0.50% · 4.625%
HK$196,410
+HK$11,265/mo
Deposit HK$16.37M · loan HK$38.20M · min. income ≈ HK$370,290/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$2,319,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,818
−HK$10,471/mo
▼ 0.25% · 3.875%
HK$199,016
−HK$5,273/mo
Today · 4.125%
HK$204,289
baseline
▲ 0.50% · 4.625%
HK$215,057
+HK$10,768/mo
Deposit HK$16.37M · loan HK$38.20M · min. income ≈ HK$408,578/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$2,319,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,997
−HK$14,046/mo
▼ 0.25% · 3.875%
HK$230,964
−HK$7,079/mo
Today · 4.125%
HK$238,043
baseline
▲ 0.50% · 4.625%
HK$252,528
+HK$14,485/mo
Deposit HK$5.46M · loan HK$49.12M · min. income ≈ HK$476,086/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$2,319,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,194
−HK$13,463/mo
▼ 0.25% · 3.875%
HK$255,877
−HK$6,780/mo
Today · 4.125%
HK$262,657
baseline
▲ 0.50% · 4.625%
HK$276,502
+HK$13,845/mo
Deposit HK$5.46M · loan HK$49.12M · min. income ≈ HK$525,314/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$2,319,393 · Scale 2, in force from 26 Feb 2026)