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$127,578
−HK$8,000/mo
▼ 0.25% · 3.875%
HK$131,546
−HK$4,032/mo
Today · 4.125%
HK$135,578
baseline
▲ 0.50% · 4.625%
HK$143,828
+HK$8,250/mo
Deposit HK$27.97M · loan HK$27.97M · min. income ≈ HK$271,156/mo (50% DSR)
Upfront cash ≈ HK$30.35M (deposit + AVD stamp duty HK$2,377,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,929
−HK$7,668/mo
▼ 0.25% · 3.875%
HK$145,735
−HK$3,862/mo
Today · 4.125%
HK$149,597
baseline
▲ 0.50% · 4.625%
HK$157,482
+HK$7,885/mo
Deposit HK$27.97M · loan HK$27.97M · min. income ≈ HK$299,194/mo (50% DSR)
Upfront cash ≈ HK$30.35M (deposit + AVD stamp duty HK$2,377,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,093
−HK$9,601/mo
▼ 0.25% · 3.875%
HK$157,855
−HK$4,839/mo
Today · 4.125%
HK$162,694
baseline
▲ 0.50% · 4.625%
HK$172,593
+HK$9,899/mo
Deposit HK$22.38M · loan HK$33.57M · min. income ≈ HK$325,388/mo (50% DSR)
Upfront cash ≈ HK$24.76M (deposit + AVD stamp duty HK$2,377,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,315
−HK$9,201/mo
▼ 0.25% · 3.875%
HK$174,883
−HK$4,633/mo
Today · 4.125%
HK$179,516
baseline
▲ 0.50% · 4.625%
HK$188,979
+HK$9,463/mo
Deposit HK$22.38M · loan HK$33.57M · min. income ≈ HK$359,032/mo (50% DSR)
Upfront cash ≈ HK$24.76M (deposit + AVD stamp duty HK$2,377,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,609
−HK$11,200/mo
▼ 0.25% · 3.875%
HK$184,165
−HK$5,644/mo
Today · 4.125%
HK$189,809
baseline
▲ 0.50% · 4.625%
HK$201,359
+HK$11,550/mo
Deposit HK$16.78M · loan HK$39.16M · min. income ≈ HK$379,618/mo (50% DSR)
Upfront cash ≈ HK$19.16M (deposit + AVD stamp duty HK$2,377,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,701
−HK$10,735/mo
▼ 0.25% · 3.875%
HK$204,030
−HK$5,406/mo
Today · 4.125%
HK$209,436
baseline
▲ 0.50% · 4.625%
HK$220,475
+HK$11,039/mo
Deposit HK$16.78M · loan HK$39.16M · min. income ≈ HK$418,872/mo (50% DSR)
Upfront cash ≈ HK$19.16M (deposit + AVD stamp duty HK$2,377,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,640
−HK$14,400/mo
▼ 0.25% · 3.875%
HK$236,783
−HK$7,257/mo
Today · 4.125%
HK$244,040
baseline
▲ 0.50% · 4.625%
HK$258,890
+HK$14,850/mo
Deposit HK$5.59M · loan HK$50.35M · min. income ≈ HK$488,080/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$2,377,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,472
−HK$13,803/mo
▼ 0.25% · 3.875%
HK$262,324
−HK$6,951/mo
Today · 4.125%
HK$269,275
baseline
▲ 0.50% · 4.625%
HK$283,468
+HK$14,193/mo
Deposit HK$5.59M · loan HK$50.35M · min. income ≈ HK$538,550/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$2,377,827 · Scale 2, in force from 26 Feb 2026)