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$125,204
−HK$7,852/mo
▼ 0.25% · 3.875%
HK$129,099
−HK$3,957/mo
Today · 4.125%
HK$133,056
baseline
▲ 0.50% · 4.625%
HK$141,152
+HK$8,096/mo
Deposit HK$27.45M · loan HK$27.45M · min. income ≈ HK$266,112/mo (50% DSR)
Upfront cash ≈ HK$29.79M (deposit + AVD stamp duty HK$2,333,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,289
−HK$7,525/mo
▼ 0.25% · 3.875%
HK$143,024
−HK$3,790/mo
Today · 4.125%
HK$146,814
baseline
▲ 0.50% · 4.625%
HK$154,553
+HK$7,739/mo
Deposit HK$27.45M · loan HK$27.45M · min. income ≈ HK$293,628/mo (50% DSR)
Upfront cash ≈ HK$29.79M (deposit + AVD stamp duty HK$2,333,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,245
−HK$9,422/mo
▼ 0.25% · 3.875%
HK$154,919
−HK$4,748/mo
Today · 4.125%
HK$159,667
baseline
▲ 0.50% · 4.625%
HK$169,382
+HK$9,715/mo
Deposit HK$21.96M · loan HK$32.94M · min. income ≈ HK$319,334/mo (50% DSR)
Upfront cash ≈ HK$24.30M (deposit + AVD stamp duty HK$2,333,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,146
−HK$9,031/mo
▼ 0.25% · 3.875%
HK$171,629
−HK$4,548/mo
Today · 4.125%
HK$176,177
baseline
▲ 0.50% · 4.625%
HK$185,463
+HK$9,286/mo
Deposit HK$21.96M · loan HK$32.94M · min. income ≈ HK$352,354/mo (50% DSR)
Upfront cash ≈ HK$24.30M (deposit + AVD stamp duty HK$2,333,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,286
−HK$10,992/mo
▼ 0.25% · 3.875%
HK$180,739
−HK$5,539/mo
Today · 4.125%
HK$186,278
baseline
▲ 0.50% · 4.625%
HK$197,613
+HK$11,335/mo
Deposit HK$16.47M · loan HK$38.44M · min. income ≈ HK$372,556/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$2,333,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,004
−HK$10,535/mo
▼ 0.25% · 3.875%
HK$200,234
−HK$5,305/mo
Today · 4.125%
HK$205,539
baseline
▲ 0.50% · 4.625%
HK$216,374
+HK$10,835/mo
Deposit HK$16.47M · loan HK$38.44M · min. income ≈ HK$411,078/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$2,333,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,368
−HK$14,132/mo
▼ 0.25% · 3.875%
HK$232,378
−HK$7,122/mo
Today · 4.125%
HK$239,500
baseline
▲ 0.50% · 4.625%
HK$254,073
+HK$14,573/mo
Deposit HK$5.49M · loan HK$49.42M · min. income ≈ HK$479,000/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$2,333,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,719
−HK$13,546/mo
▼ 0.25% · 3.875%
HK$257,444
−HK$6,821/mo
Today · 4.125%
HK$264,265
baseline
▲ 0.50% · 4.625%
HK$278,195
+HK$13,930/mo
Deposit HK$5.49M · loan HK$49.42M · min. income ≈ HK$528,530/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$2,333,591 · Scale 2, in force from 26 Feb 2026)