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$125,833
−HK$7,891/mo
▼ 0.25% · 3.875%
HK$129,747
−HK$3,977/mo
Today · 4.125%
HK$133,724
baseline
▲ 0.50% · 4.625%
HK$141,861
+HK$8,137/mo
Deposit HK$27.59M · loan HK$27.59M · min. income ≈ HK$267,448/mo (50% DSR)
Upfront cash ≈ HK$29.94M (deposit + AVD stamp duty HK$2,345,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,988
−HK$7,563/mo
▼ 0.25% · 3.875%
HK$143,742
−HK$3,809/mo
Today · 4.125%
HK$147,551
baseline
▲ 0.50% · 4.625%
HK$155,329
+HK$7,778/mo
Deposit HK$27.59M · loan HK$27.59M · min. income ≈ HK$295,102/mo (50% DSR)
Upfront cash ≈ HK$29.94M (deposit + AVD stamp duty HK$2,345,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,000
−HK$9,469/mo
▼ 0.25% · 3.875%
HK$155,697
−HK$4,772/mo
Today · 4.125%
HK$160,469
baseline
▲ 0.50% · 4.625%
HK$170,233
+HK$9,764/mo
Deposit HK$22.07M · loan HK$33.11M · min. income ≈ HK$320,938/mo (50% DSR)
Upfront cash ≈ HK$24.42M (deposit + AVD stamp duty HK$2,345,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,986
−HK$9,075/mo
▼ 0.25% · 3.875%
HK$172,491
−HK$4,570/mo
Today · 4.125%
HK$177,061
baseline
▲ 0.50% · 4.625%
HK$186,395
+HK$9,334/mo
Deposit HK$22.07M · loan HK$33.11M · min. income ≈ HK$354,122/mo (50% DSR)
Upfront cash ≈ HK$24.42M (deposit + AVD stamp duty HK$2,345,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,166
−HK$11,047/mo
▼ 0.25% · 3.875%
HK$181,646
−HK$5,567/mo
Today · 4.125%
HK$187,213
baseline
▲ 0.50% · 4.625%
HK$198,605
+HK$11,392/mo
Deposit HK$16.56M · loan HK$38.63M · min. income ≈ HK$374,426/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$2,345,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,983
−HK$10,589/mo
▼ 0.25% · 3.875%
HK$201,239
−HK$5,333/mo
Today · 4.125%
HK$206,572
baseline
▲ 0.50% · 4.625%
HK$217,460
+HK$10,888/mo
Deposit HK$16.56M · loan HK$38.63M · min. income ≈ HK$413,144/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$2,345,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,500
−HK$14,203/mo
▼ 0.25% · 3.875%
HK$233,545
−HK$7,158/mo
Today · 4.125%
HK$240,703
baseline
▲ 0.50% · 4.625%
HK$255,349
+HK$14,646/mo
Deposit HK$5.52M · loan HK$49.67M · min. income ≈ HK$481,406/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$2,345,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,978
−HK$13,614/mo
▼ 0.25% · 3.875%
HK$258,736
−HK$6,856/mo
Today · 4.125%
HK$265,592
baseline
▲ 0.50% · 4.625%
HK$279,592
+HK$14,000/mo
Deposit HK$5.52M · loan HK$49.67M · min. income ≈ HK$531,184/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$2,345,309 · Scale 2, in force from 26 Feb 2026)