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$126,380
−HK$7,925/mo
▼ 0.25% · 3.875%
HK$130,311
−HK$3,994/mo
Today · 4.125%
HK$134,305
baseline
▲ 0.50% · 4.625%
HK$142,477
+HK$8,172/mo
Deposit HK$27.71M · loan HK$27.71M · min. income ≈ HK$268,610/mo (50% DSR)
Upfront cash ≈ HK$30.07M (deposit + AVD stamp duty HK$2,355,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,596
−HK$7,596/mo
▼ 0.25% · 3.875%
HK$144,367
−HK$3,825/mo
Today · 4.125%
HK$148,192
baseline
▲ 0.50% · 4.625%
HK$156,004
+HK$7,812/mo
Deposit HK$27.71M · loan HK$27.71M · min. income ≈ HK$296,384/mo (50% DSR)
Upfront cash ≈ HK$30.07M (deposit + AVD stamp duty HK$2,355,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,656
−HK$9,510/mo
▼ 0.25% · 3.875%
HK$156,373
−HK$4,793/mo
Today · 4.125%
HK$161,166
baseline
▲ 0.50% · 4.625%
HK$170,972
+HK$9,806/mo
Deposit HK$22.17M · loan HK$33.25M · min. income ≈ HK$322,332/mo (50% DSR)
Upfront cash ≈ HK$24.52M (deposit + AVD stamp duty HK$2,355,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,715
−HK$9,116/mo
▼ 0.25% · 3.875%
HK$173,240
−HK$4,591/mo
Today · 4.125%
HK$177,831
baseline
▲ 0.50% · 4.625%
HK$187,204
+HK$9,373/mo
Deposit HK$22.17M · loan HK$33.25M · min. income ≈ HK$355,662/mo (50% DSR)
Upfront cash ≈ HK$24.52M (deposit + AVD stamp duty HK$2,355,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,932
−HK$11,095/mo
▼ 0.25% · 3.875%
HK$182,435
−HK$5,592/mo
Today · 4.125%
HK$188,027
baseline
▲ 0.50% · 4.625%
HK$199,468
+HK$11,441/mo
Deposit HK$16.63M · loan HK$38.80M · min. income ≈ HK$376,054/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$2,355,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,835
−HK$10,634/mo
▼ 0.25% · 3.875%
HK$202,114
−HK$5,355/mo
Today · 4.125%
HK$207,469
baseline
▲ 0.50% · 4.625%
HK$218,405
+HK$10,936/mo
Deposit HK$16.63M · loan HK$38.80M · min. income ≈ HK$414,938/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$2,355,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,484
−HK$14,265/mo
▼ 0.25% · 3.875%
HK$234,560
−HK$7,189/mo
Today · 4.125%
HK$241,749
baseline
▲ 0.50% · 4.625%
HK$256,459
+HK$14,710/mo
Deposit HK$5.54M · loan HK$49.88M · min. income ≈ HK$483,498/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$2,355,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,073
−HK$13,673/mo
▼ 0.25% · 3.875%
HK$259,861
−HK$6,885/mo
Today · 4.125%
HK$266,746
baseline
▲ 0.50% · 4.625%
HK$280,807
+HK$14,061/mo
Deposit HK$5.54M · loan HK$49.88M · min. income ≈ HK$533,492/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$2,355,499 · Scale 2, in force from 26 Feb 2026)