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$123,176
−HK$7,724/mo
▼ 0.25% · 3.875%
HK$127,007
−HK$3,893/mo
Today · 4.125%
HK$130,900
baseline
▲ 0.50% · 4.625%
HK$138,865
+HK$7,965/mo
Deposit HK$27.01M · loan HK$27.01M · min. income ≈ HK$261,800/mo (50% DSR)
Upfront cash ≈ HK$29.30M (deposit + AVD stamp duty HK$2,295,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,032
−HK$7,403/mo
▼ 0.25% · 3.875%
HK$140,707
−HK$3,728/mo
Today · 4.125%
HK$144,435
baseline
▲ 0.50% · 4.625%
HK$152,048
+HK$7,613/mo
Deposit HK$27.01M · loan HK$27.01M · min. income ≈ HK$288,870/mo (50% DSR)
Upfront cash ≈ HK$29.30M (deposit + AVD stamp duty HK$2,295,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,811
−HK$9,269/mo
▼ 0.25% · 3.875%
HK$152,409
−HK$4,671/mo
Today · 4.125%
HK$157,080
baseline
▲ 0.50% · 4.625%
HK$166,638
+HK$9,558/mo
Deposit HK$21.61M · loan HK$32.41M · min. income ≈ HK$314,160/mo (50% DSR)
Upfront cash ≈ HK$23.90M (deposit + AVD stamp duty HK$2,295,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,438
−HK$8,884/mo
▼ 0.25% · 3.875%
HK$168,848
−HK$4,474/mo
Today · 4.125%
HK$173,322
baseline
▲ 0.50% · 4.625%
HK$182,458
+HK$9,136/mo
Deposit HK$21.61M · loan HK$32.41M · min. income ≈ HK$346,644/mo (50% DSR)
Upfront cash ≈ HK$23.90M (deposit + AVD stamp duty HK$2,295,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,446
−HK$10,814/mo
▼ 0.25% · 3.875%
HK$177,810
−HK$5,450/mo
Today · 4.125%
HK$183,260
baseline
▲ 0.50% · 4.625%
HK$194,411
+HK$11,151/mo
Deposit HK$16.21M · loan HK$37.81M · min. income ≈ HK$366,520/mo (50% DSR)
Upfront cash ≈ HK$18.50M (deposit + AVD stamp duty HK$2,295,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,844
−HK$10,365/mo
▼ 0.25% · 3.875%
HK$196,990
−HK$5,219/mo
Today · 4.125%
HK$202,209
baseline
▲ 0.50% · 4.625%
HK$212,868
+HK$10,659/mo
Deposit HK$16.21M · loan HK$37.81M · min. income ≈ HK$404,418/mo (50% DSR)
Upfront cash ≈ HK$18.50M (deposit + AVD stamp duty HK$2,295,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,716
−HK$13,904/mo
▼ 0.25% · 3.875%
HK$228,613
−HK$7,007/mo
Today · 4.125%
HK$235,620
baseline
▲ 0.50% · 4.625%
HK$249,957
+HK$14,337/mo
Deposit HK$5.40M · loan HK$48.62M · min. income ≈ HK$471,240/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$2,295,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,657
−HK$13,326/mo
▼ 0.25% · 3.875%
HK$253,272
−HK$6,711/mo
Today · 4.125%
HK$259,983
baseline
▲ 0.50% · 4.625%
HK$273,687
+HK$13,704/mo
Deposit HK$5.40M · loan HK$48.62M · min. income ≈ HK$519,966/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$2,295,780 · Scale 2, in force from 26 Feb 2026)