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$127,439
−HK$7,991/mo
▼ 0.25% · 3.875%
HK$131,403
−HK$4,027/mo
Today · 4.125%
HK$135,430
baseline
▲ 0.50% · 4.625%
HK$143,671
+HK$8,241/mo
Deposit HK$27.94M · loan HK$27.94M · min. income ≈ HK$270,860/mo (50% DSR)
Upfront cash ≈ HK$30.32M (deposit + AVD stamp duty HK$2,375,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,774
−HK$7,660/mo
▼ 0.25% · 3.875%
HK$145,576
−HK$3,858/mo
Today · 4.125%
HK$149,434
baseline
▲ 0.50% · 4.625%
HK$157,311
+HK$7,877/mo
Deposit HK$27.94M · loan HK$27.94M · min. income ≈ HK$298,868/mo (50% DSR)
Upfront cash ≈ HK$30.32M (deposit + AVD stamp duty HK$2,375,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,926
−HK$9,590/mo
▼ 0.25% · 3.875%
HK$157,683
−HK$4,833/mo
Today · 4.125%
HK$162,516
baseline
▲ 0.50% · 4.625%
HK$172,405
+HK$9,889/mo
Deposit HK$22.36M · loan HK$33.53M · min. income ≈ HK$325,032/mo (50% DSR)
Upfront cash ≈ HK$24.73M (deposit + AVD stamp duty HK$2,375,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,129
−HK$9,191/mo
▼ 0.25% · 3.875%
HK$174,692
−HK$4,628/mo
Today · 4.125%
HK$179,320
baseline
▲ 0.50% · 4.625%
HK$188,773
+HK$9,453/mo
Deposit HK$22.36M · loan HK$33.53M · min. income ≈ HK$358,640/mo (50% DSR)
Upfront cash ≈ HK$24.73M (deposit + AVD stamp duty HK$2,375,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,414
−HK$11,188/mo
▼ 0.25% · 3.875%
HK$183,964
−HK$5,638/mo
Today · 4.125%
HK$189,602
baseline
▲ 0.50% · 4.625%
HK$201,139
+HK$11,537/mo
Deposit HK$16.77M · loan HK$39.12M · min. income ≈ HK$379,204/mo (50% DSR)
Upfront cash ≈ HK$19.14M (deposit + AVD stamp duty HK$2,375,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,484
−HK$10,723/mo
▼ 0.25% · 3.875%
HK$203,807
−HK$5,400/mo
Today · 4.125%
HK$209,207
baseline
▲ 0.50% · 4.625%
HK$220,235
+HK$11,028/mo
Deposit HK$16.77M · loan HK$39.12M · min. income ≈ HK$418,414/mo (50% DSR)
Upfront cash ≈ HK$19.14M (deposit + AVD stamp duty HK$2,375,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,389
−HK$14,385/mo
▼ 0.25% · 3.875%
HK$236,525
−HK$7,249/mo
Today · 4.125%
HK$243,774
baseline
▲ 0.50% · 4.625%
HK$258,607
+HK$14,833/mo
Deposit HK$5.59M · loan HK$50.30M · min. income ≈ HK$487,548/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$2,375,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,193
−HK$13,788/mo
▼ 0.25% · 3.875%
HK$262,038
−HK$6,943/mo
Today · 4.125%
HK$268,981
baseline
▲ 0.50% · 4.625%
HK$283,159
+HK$14,178/mo
Deposit HK$5.59M · loan HK$50.30M · min. income ≈ HK$537,962/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$2,375,232 · Scale 2, in force from 26 Feb 2026)