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$125,793
−HK$7,888/mo
▼ 0.25% · 3.875%
HK$129,706
−HK$3,975/mo
Today · 4.125%
HK$133,681
baseline
▲ 0.50% · 4.625%
HK$141,816
+HK$8,135/mo
Deposit HK$27.58M · loan HK$27.58M · min. income ≈ HK$267,362/mo (50% DSR)
Upfront cash ≈ HK$29.93M (deposit + AVD stamp duty HK$2,344,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,944
−HK$7,560/mo
▼ 0.25% · 3.875%
HK$143,697
−HK$3,807/mo
Today · 4.125%
HK$147,504
baseline
▲ 0.50% · 4.625%
HK$155,279
+HK$7,775/mo
Deposit HK$27.58M · loan HK$27.58M · min. income ≈ HK$295,008/mo (50% DSR)
Upfront cash ≈ HK$29.93M (deposit + AVD stamp duty HK$2,344,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,952
−HK$9,466/mo
▼ 0.25% · 3.875%
HK$155,647
−HK$4,771/mo
Today · 4.125%
HK$160,418
baseline
▲ 0.50% · 4.625%
HK$170,179
+HK$9,761/mo
Deposit HK$22.07M · loan HK$33.10M · min. income ≈ HK$320,836/mo (50% DSR)
Upfront cash ≈ HK$24.41M (deposit + AVD stamp duty HK$2,344,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,932
−HK$9,073/mo
▼ 0.25% · 3.875%
HK$172,436
−HK$4,569/mo
Today · 4.125%
HK$177,005
baseline
▲ 0.50% · 4.625%
HK$186,335
+HK$9,330/mo
Deposit HK$22.07M · loan HK$33.10M · min. income ≈ HK$354,010/mo (50% DSR)
Upfront cash ≈ HK$24.41M (deposit + AVD stamp duty HK$2,344,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,110
−HK$11,044/mo
▼ 0.25% · 3.875%
HK$181,588
−HK$5,566/mo
Today · 4.125%
HK$187,154
baseline
▲ 0.50% · 4.625%
HK$198,542
+HK$11,388/mo
Deposit HK$16.55M · loan HK$38.62M · min. income ≈ HK$374,308/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$2,344,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,921
−HK$10,585/mo
▼ 0.25% · 3.875%
HK$201,175
−HK$5,331/mo
Today · 4.125%
HK$206,506
baseline
▲ 0.50% · 4.625%
HK$217,391
+HK$10,885/mo
Deposit HK$16.55M · loan HK$38.62M · min. income ≈ HK$413,012/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$2,344,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,428
−HK$14,199/mo
▼ 0.25% · 3.875%
HK$233,471
−HK$7,156/mo
Today · 4.125%
HK$240,627
baseline
▲ 0.50% · 4.625%
HK$255,268
+HK$14,641/mo
Deposit HK$5.52M · loan HK$49.65M · min. income ≈ HK$481,254/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$2,344,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,898
−HK$13,610/mo
▼ 0.25% · 3.875%
HK$258,654
−HK$6,854/mo
Today · 4.125%
HK$265,508
baseline
▲ 0.50% · 4.625%
HK$279,503
+HK$13,995/mo
Deposit HK$5.52M · loan HK$49.65M · min. income ≈ HK$531,016/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$2,344,564 · Scale 2, in force from 26 Feb 2026)