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$125,701
−HK$7,883/mo
▼ 0.25% · 3.875%
HK$129,611
−HK$3,973/mo
Today · 4.125%
HK$133,584
baseline
▲ 0.50% · 4.625%
HK$141,712
+HK$8,128/mo
Deposit HK$27.56M · loan HK$27.56M · min. income ≈ HK$267,168/mo (50% DSR)
Upfront cash ≈ HK$29.91M (deposit + AVD stamp duty HK$2,342,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,841
−HK$7,555/mo
▼ 0.25% · 3.875%
HK$143,592
−HK$3,804/mo
Today · 4.125%
HK$147,396
baseline
▲ 0.50% · 4.625%
HK$155,166
+HK$7,770/mo
Deposit HK$27.56M · loan HK$27.56M · min. income ≈ HK$294,792/mo (50% DSR)
Upfront cash ≈ HK$29.91M (deposit + AVD stamp duty HK$2,342,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,841
−HK$9,459/mo
▼ 0.25% · 3.875%
HK$155,533
−HK$4,767/mo
Today · 4.125%
HK$160,300
baseline
▲ 0.50% · 4.625%
HK$170,054
+HK$9,754/mo
Deposit HK$22.05M · loan HK$33.08M · min. income ≈ HK$320,600/mo (50% DSR)
Upfront cash ≈ HK$24.39M (deposit + AVD stamp duty HK$2,342,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,809
−HK$9,067/mo
▼ 0.25% · 3.875%
HK$172,310
−HK$4,566/mo
Today · 4.125%
HK$176,876
baseline
▲ 0.50% · 4.625%
HK$186,199
+HK$9,323/mo
Deposit HK$22.05M · loan HK$33.08M · min. income ≈ HK$353,752/mo (50% DSR)
Upfront cash ≈ HK$24.39M (deposit + AVD stamp duty HK$2,342,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,981
−HK$11,036/mo
▼ 0.25% · 3.875%
HK$181,456
−HK$5,561/mo
Today · 4.125%
HK$187,017
baseline
▲ 0.50% · 4.625%
HK$198,397
+HK$11,380/mo
Deposit HK$16.54M · loan HK$38.59M · min. income ≈ HK$374,034/mo (50% DSR)
Upfront cash ≈ HK$18.88M (deposit + AVD stamp duty HK$2,342,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,778
−HK$10,577/mo
▼ 0.25% · 3.875%
HK$201,028
−HK$5,327/mo
Today · 4.125%
HK$206,355
baseline
▲ 0.50% · 4.625%
HK$217,232
+HK$10,877/mo
Deposit HK$16.54M · loan HK$38.59M · min. income ≈ HK$412,710/mo (50% DSR)
Upfront cash ≈ HK$18.88M (deposit + AVD stamp duty HK$2,342,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,262
−HK$14,189/mo
▼ 0.25% · 3.875%
HK$233,300
−HK$7,151/mo
Today · 4.125%
HK$240,451
baseline
▲ 0.50% · 4.625%
HK$255,081
+HK$14,630/mo
Deposit HK$5.51M · loan HK$49.61M · min. income ≈ HK$480,902/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$2,342,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,714
−HK$13,599/mo
▼ 0.25% · 3.875%
HK$258,465
−HK$6,848/mo
Today · 4.125%
HK$265,313
baseline
▲ 0.50% · 4.625%
HK$279,298
+HK$13,985/mo
Deposit HK$5.51M · loan HK$49.61M · min. income ≈ HK$530,626/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$2,342,849 · Scale 2, in force from 26 Feb 2026)