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$124,769
−HK$7,824/mo
▼ 0.25% · 3.875%
HK$128,650
−HK$3,943/mo
Today · 4.125%
HK$132,593
baseline
▲ 0.50% · 4.625%
HK$140,661
+HK$8,068/mo
Deposit HK$27.36M · loan HK$27.36M · min. income ≈ HK$265,186/mo (50% DSR)
Upfront cash ≈ HK$29.68M (deposit + AVD stamp duty HK$2,325,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,804
−HK$7,499/mo
▼ 0.25% · 3.875%
HK$142,527
−HK$3,776/mo
Today · 4.125%
HK$146,303
baseline
▲ 0.50% · 4.625%
HK$154,015
+HK$7,712/mo
Deposit HK$27.36M · loan HK$27.36M · min. income ≈ HK$292,606/mo (50% DSR)
Upfront cash ≈ HK$29.68M (deposit + AVD stamp duty HK$2,325,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,723
−HK$9,389/mo
▼ 0.25% · 3.875%
HK$154,380
−HK$4,732/mo
Today · 4.125%
HK$159,112
baseline
▲ 0.50% · 4.625%
HK$168,793
+HK$9,681/mo
Deposit HK$21.89M · loan HK$32.83M · min. income ≈ HK$318,224/mo (50% DSR)
Upfront cash ≈ HK$24.21M (deposit + AVD stamp duty HK$2,325,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,565
−HK$8,999/mo
▼ 0.25% · 3.875%
HK$171,032
−HK$4,532/mo
Today · 4.125%
HK$175,564
baseline
▲ 0.50% · 4.625%
HK$184,818
+HK$9,254/mo
Deposit HK$21.89M · loan HK$32.83M · min. income ≈ HK$351,128/mo (50% DSR)
Upfront cash ≈ HK$24.21M (deposit + AVD stamp duty HK$2,325,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,677
−HK$10,953/mo
▼ 0.25% · 3.875%
HK$180,110
−HK$5,520/mo
Today · 4.125%
HK$185,630
baseline
▲ 0.50% · 4.625%
HK$196,925
+HK$11,295/mo
Deposit HK$16.42M · loan HK$38.30M · min. income ≈ HK$371,260/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$2,325,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,326
−HK$10,499/mo
▼ 0.25% · 3.875%
HK$199,538
−HK$5,287/mo
Today · 4.125%
HK$204,825
baseline
▲ 0.50% · 4.625%
HK$215,621
+HK$10,796/mo
Deposit HK$16.42M · loan HK$38.30M · min. income ≈ HK$409,650/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$2,325,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,584
−HK$14,084/mo
▼ 0.25% · 3.875%
HK$231,570
−HK$7,098/mo
Today · 4.125%
HK$238,668
baseline
▲ 0.50% · 4.625%
HK$253,190
+HK$14,522/mo
Deposit HK$5.47M · loan HK$49.25M · min. income ≈ HK$477,336/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$2,325,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,848
−HK$13,498/mo
▼ 0.25% · 3.875%
HK$256,548
−HK$6,798/mo
Today · 4.125%
HK$263,346
baseline
▲ 0.50% · 4.625%
HK$277,227
+HK$13,881/mo
Deposit HK$5.47M · loan HK$49.25M · min. income ≈ HK$526,692/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$2,325,476 · Scale 2, in force from 26 Feb 2026)