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$123,436
−HK$7,740/mo
▼ 0.25% · 3.875%
HK$127,275
−HK$3,901/mo
Today · 4.125%
HK$131,176
baseline
▲ 0.50% · 4.625%
HK$139,158
+HK$7,982/mo
Deposit HK$27.07M · loan HK$27.07M · min. income ≈ HK$262,352/mo (50% DSR)
Upfront cash ≈ HK$29.37M (deposit + AVD stamp duty HK$2,300,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,321
−HK$7,419/mo
▼ 0.25% · 3.875%
HK$141,004
−HK$3,736/mo
Today · 4.125%
HK$144,740
baseline
▲ 0.50% · 4.625%
HK$152,370
+HK$7,630/mo
Deposit HK$27.07M · loan HK$27.07M · min. income ≈ HK$289,480/mo (50% DSR)
Upfront cash ≈ HK$29.37M (deposit + AVD stamp duty HK$2,300,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,123
−HK$9,289/mo
▼ 0.25% · 3.875%
HK$152,730
−HK$4,682/mo
Today · 4.125%
HK$157,412
baseline
▲ 0.50% · 4.625%
HK$166,990
+HK$9,578/mo
Deposit HK$21.65M · loan HK$32.48M · min. income ≈ HK$314,824/mo (50% DSR)
Upfront cash ≈ HK$23.95M (deposit + AVD stamp duty HK$2,300,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,785
−HK$8,903/mo
▼ 0.25% · 3.875%
HK$169,205
−HK$4,483/mo
Today · 4.125%
HK$173,688
baseline
▲ 0.50% · 4.625%
HK$182,844
+HK$9,156/mo
Deposit HK$21.65M · loan HK$32.48M · min. income ≈ HK$347,376/mo (50% DSR)
Upfront cash ≈ HK$23.95M (deposit + AVD stamp duty HK$2,300,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,810
−HK$10,837/mo
▼ 0.25% · 3.875%
HK$178,186
−HK$5,461/mo
Today · 4.125%
HK$183,647
baseline
▲ 0.50% · 4.625%
HK$194,821
+HK$11,174/mo
Deposit HK$16.24M · loan HK$37.89M · min. income ≈ HK$367,294/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$2,300,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,250
−HK$10,386/mo
▼ 0.25% · 3.875%
HK$197,406
−HK$5,230/mo
Today · 4.125%
HK$202,636
baseline
▲ 0.50% · 4.625%
HK$213,317
+HK$10,681/mo
Deposit HK$16.24M · loan HK$37.89M · min. income ≈ HK$405,272/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$2,300,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,185
−HK$13,932/mo
▼ 0.25% · 3.875%
HK$229,096
−HK$7,021/mo
Today · 4.125%
HK$236,117
baseline
▲ 0.50% · 4.625%
HK$250,485
+HK$14,368/mo
Deposit HK$5.41M · loan HK$48.72M · min. income ≈ HK$472,234/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$2,300,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,178
−HK$13,354/mo
▼ 0.25% · 3.875%
HK$253,807
−HK$6,725/mo
Today · 4.125%
HK$260,532
baseline
▲ 0.50% · 4.625%
HK$274,265
+HK$13,733/mo
Deposit HK$5.41M · loan HK$48.72M · min. income ≈ HK$521,064/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$2,300,629 · Scale 2, in force from 26 Feb 2026)