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$127,613
−HK$8,003/mo
▼ 0.25% · 3.875%
HK$131,583
−HK$4,033/mo
Today · 4.125%
HK$135,616
baseline
▲ 0.50% · 4.625%
HK$143,868
+HK$8,252/mo
Deposit HK$27.98M · loan HK$27.98M · min. income ≈ HK$271,232/mo (50% DSR)
Upfront cash ≈ HK$30.36M (deposit + AVD stamp duty HK$2,378,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,968
−HK$7,670/mo
▼ 0.25% · 3.875%
HK$145,776
−HK$3,862/mo
Today · 4.125%
HK$149,638
baseline
▲ 0.50% · 4.625%
HK$157,526
+HK$7,888/mo
Deposit HK$27.98M · loan HK$27.98M · min. income ≈ HK$299,276/mo (50% DSR)
Upfront cash ≈ HK$30.36M (deposit + AVD stamp duty HK$2,378,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,136
−HK$9,603/mo
▼ 0.25% · 3.875%
HK$157,899
−HK$4,840/mo
Today · 4.125%
HK$162,739
baseline
▲ 0.50% · 4.625%
HK$172,641
+HK$9,902/mo
Deposit HK$22.39M · loan HK$33.58M · min. income ≈ HK$325,478/mo (50% DSR)
Upfront cash ≈ HK$24.76M (deposit + AVD stamp duty HK$2,378,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,362
−HK$9,204/mo
▼ 0.25% · 3.875%
HK$174,931
−HK$4,635/mo
Today · 4.125%
HK$179,566
baseline
▲ 0.50% · 4.625%
HK$189,031
+HK$9,465/mo
Deposit HK$22.39M · loan HK$33.58M · min. income ≈ HK$359,132/mo (50% DSR)
Upfront cash ≈ HK$24.76M (deposit + AVD stamp duty HK$2,378,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,658
−HK$11,204/mo
▼ 0.25% · 3.875%
HK$184,216
−HK$5,646/mo
Today · 4.125%
HK$189,862
baseline
▲ 0.50% · 4.625%
HK$201,415
+HK$11,553/mo
Deposit HK$16.79M · loan HK$39.18M · min. income ≈ HK$379,724/mo (50% DSR)
Upfront cash ≈ HK$19.17M (deposit + AVD stamp duty HK$2,378,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,756
−HK$10,738/mo
▼ 0.25% · 3.875%
HK$204,086
−HK$5,408/mo
Today · 4.125%
HK$209,494
baseline
▲ 0.50% · 4.625%
HK$220,537
+HK$11,043/mo
Deposit HK$16.79M · loan HK$39.18M · min. income ≈ HK$418,988/mo (50% DSR)
Upfront cash ≈ HK$19.17M (deposit + AVD stamp duty HK$2,378,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,704
−HK$14,404/mo
▼ 0.25% · 3.875%
HK$236,849
−HK$7,259/mo
Today · 4.125%
HK$244,108
baseline
▲ 0.50% · 4.625%
HK$258,962
+HK$14,854/mo
Deposit HK$5.60M · loan HK$50.37M · min. income ≈ HK$488,216/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$2,378,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,543
−HK$13,806/mo
▼ 0.25% · 3.875%
HK$262,397
−HK$6,952/mo
Today · 4.125%
HK$269,349
baseline
▲ 0.50% · 4.625%
HK$283,547
+HK$14,198/mo
Deposit HK$5.60M · loan HK$50.37M · min. income ≈ HK$538,698/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$2,378,487 · Scale 2, in force from 26 Feb 2026)