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$127,240
−HK$7,980/mo
▼ 0.25% · 3.875%
HK$131,198
−HK$4,022/mo
Today · 4.125%
HK$135,220
baseline
▲ 0.50% · 4.625%
HK$143,447
+HK$8,227/mo
Deposit HK$27.90M · loan HK$27.90M · min. income ≈ HK$270,440/mo (50% DSR)
Upfront cash ≈ HK$30.27M (deposit + AVD stamp duty HK$2,371,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,554
−HK$7,647/mo
▼ 0.25% · 3.875%
HK$145,350
−HK$3,851/mo
Today · 4.125%
HK$149,201
baseline
▲ 0.50% · 4.625%
HK$157,066
+HK$7,865/mo
Deposit HK$27.90M · loan HK$27.90M · min. income ≈ HK$298,402/mo (50% DSR)
Upfront cash ≈ HK$30.27M (deposit + AVD stamp duty HK$2,371,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,689
−HK$9,574/mo
▼ 0.25% · 3.875%
HK$157,438
−HK$4,825/mo
Today · 4.125%
HK$162,263
baseline
▲ 0.50% · 4.625%
HK$172,137
+HK$9,874/mo
Deposit HK$22.32M · loan HK$33.48M · min. income ≈ HK$324,526/mo (50% DSR)
Upfront cash ≈ HK$24.69M (deposit + AVD stamp duty HK$2,371,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,864
−HK$9,178/mo
▼ 0.25% · 3.875%
HK$174,420
−HK$4,622/mo
Today · 4.125%
HK$179,042
baseline
▲ 0.50% · 4.625%
HK$188,479
+HK$9,437/mo
Deposit HK$22.32M · loan HK$33.48M · min. income ≈ HK$358,084/mo (50% DSR)
Upfront cash ≈ HK$24.69M (deposit + AVD stamp duty HK$2,371,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,137
−HK$11,170/mo
▼ 0.25% · 3.875%
HK$183,678
−HK$5,629/mo
Today · 4.125%
HK$189,307
baseline
▲ 0.50% · 4.625%
HK$200,826
+HK$11,519/mo
Deposit HK$16.74M · loan HK$39.06M · min. income ≈ HK$378,614/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$2,371,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,175
−HK$10,707/mo
▼ 0.25% · 3.875%
HK$203,490
−HK$5,392/mo
Today · 4.125%
HK$208,882
baseline
▲ 0.50% · 4.625%
HK$219,892
+HK$11,010/mo
Deposit HK$16.74M · loan HK$39.06M · min. income ≈ HK$417,764/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$2,371,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,033
−HK$14,362/mo
▼ 0.25% · 3.875%
HK$236,157
−HK$7,238/mo
Today · 4.125%
HK$243,395
baseline
▲ 0.50% · 4.625%
HK$258,205
+HK$14,810/mo
Deposit HK$5.58M · loan HK$50.22M · min. income ≈ HK$486,790/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$2,371,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,797
−HK$13,766/mo
▼ 0.25% · 3.875%
HK$261,630
−HK$6,933/mo
Today · 4.125%
HK$268,563
baseline
▲ 0.50% · 4.625%
HK$282,719
+HK$14,156/mo
Deposit HK$5.58M · loan HK$50.22M · min. income ≈ HK$537,126/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$2,371,540 · Scale 2, in force from 26 Feb 2026)