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$127,489
−HK$7,994/mo
▼ 0.25% · 3.875%
HK$131,454
−HK$4,029/mo
Today · 4.125%
HK$135,483
baseline
▲ 0.50% · 4.625%
HK$143,727
+HK$8,244/mo
Deposit HK$27.95M · loan HK$27.95M · min. income ≈ HK$270,966/mo (50% DSR)
Upfront cash ≈ HK$30.33M (deposit + AVD stamp duty HK$2,376,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,830
−HK$7,662/mo
▼ 0.25% · 3.875%
HK$145,634
−HK$3,858/mo
Today · 4.125%
HK$149,492
baseline
▲ 0.50% · 4.625%
HK$157,372
+HK$7,880/mo
Deposit HK$27.95M · loan HK$27.95M · min. income ≈ HK$298,984/mo (50% DSR)
Upfront cash ≈ HK$30.33M (deposit + AVD stamp duty HK$2,376,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,986
−HK$9,594/mo
▼ 0.25% · 3.875%
HK$157,745
−HK$4,835/mo
Today · 4.125%
HK$162,580
baseline
▲ 0.50% · 4.625%
HK$172,472
+HK$9,892/mo
Deposit HK$22.36M · loan HK$33.55M · min. income ≈ HK$325,160/mo (50% DSR)
Upfront cash ≈ HK$24.74M (deposit + AVD stamp duty HK$2,376,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,196
−HK$9,195/mo
▼ 0.25% · 3.875%
HK$174,760
−HK$4,631/mo
Today · 4.125%
HK$179,391
baseline
▲ 0.50% · 4.625%
HK$188,847
+HK$9,456/mo
Deposit HK$22.36M · loan HK$33.55M · min. income ≈ HK$358,782/mo (50% DSR)
Upfront cash ≈ HK$24.74M (deposit + AVD stamp duty HK$2,376,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,484
−HK$11,193/mo
▼ 0.25% · 3.875%
HK$184,036
−HK$5,641/mo
Today · 4.125%
HK$189,677
baseline
▲ 0.50% · 4.625%
HK$201,218
+HK$11,541/mo
Deposit HK$16.77M · loan HK$39.14M · min. income ≈ HK$379,354/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$2,376,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,562
−HK$10,727/mo
▼ 0.25% · 3.875%
HK$203,887
−HK$5,402/mo
Today · 4.125%
HK$209,289
baseline
▲ 0.50% · 4.625%
HK$220,321
+HK$11,032/mo
Deposit HK$16.77M · loan HK$39.14M · min. income ≈ HK$418,578/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$2,376,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,479
−HK$14,391/mo
▼ 0.25% · 3.875%
HK$236,618
−HK$7,252/mo
Today · 4.125%
HK$243,870
baseline
▲ 0.50% · 4.625%
HK$258,709
+HK$14,839/mo
Deposit HK$5.59M · loan HK$50.32M · min. income ≈ HK$487,740/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$2,376,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,294
−HK$13,792/mo
▼ 0.25% · 3.875%
HK$262,140
−HK$6,946/mo
Today · 4.125%
HK$269,086
baseline
▲ 0.50% · 4.625%
HK$283,270
+HK$14,184/mo
Deposit HK$5.59M · loan HK$50.32M · min. income ≈ HK$538,172/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$2,376,165 · Scale 2, in force from 26 Feb 2026)