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$127,296
−HK$7,983/mo
▼ 0.25% · 3.875%
HK$131,256
−HK$4,023/mo
Today · 4.125%
HK$135,279
baseline
▲ 0.50% · 4.625%
HK$143,510
+HK$8,231/mo
Deposit HK$27.91M · loan HK$27.91M · min. income ≈ HK$270,558/mo (50% DSR)
Upfront cash ≈ HK$30.29M (deposit + AVD stamp duty HK$2,372,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,615
−HK$7,652/mo
▼ 0.25% · 3.875%
HK$145,414
−HK$3,853/mo
Today · 4.125%
HK$149,267
baseline
▲ 0.50% · 4.625%
HK$157,135
+HK$7,868/mo
Deposit HK$27.91M · loan HK$27.91M · min. income ≈ HK$298,534/mo (50% DSR)
Upfront cash ≈ HK$30.29M (deposit + AVD stamp duty HK$2,372,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,755
−HK$9,579/mo
▼ 0.25% · 3.875%
HK$157,507
−HK$4,827/mo
Today · 4.125%
HK$162,334
baseline
▲ 0.50% · 4.625%
HK$172,212
+HK$9,878/mo
Deposit HK$22.33M · loan HK$33.50M · min. income ≈ HK$324,668/mo (50% DSR)
Upfront cash ≈ HK$24.70M (deposit + AVD stamp duty HK$2,372,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,939
−HK$9,181/mo
▼ 0.25% · 3.875%
HK$174,496
−HK$4,624/mo
Today · 4.125%
HK$179,120
baseline
▲ 0.50% · 4.625%
HK$188,562
+HK$9,442/mo
Deposit HK$22.33M · loan HK$33.50M · min. income ≈ HK$358,240/mo (50% DSR)
Upfront cash ≈ HK$24.70M (deposit + AVD stamp duty HK$2,372,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,214
−HK$11,176/mo
▼ 0.25% · 3.875%
HK$183,758
−HK$5,632/mo
Today · 4.125%
HK$189,390
baseline
▲ 0.50% · 4.625%
HK$200,914
+HK$11,524/mo
Deposit HK$16.75M · loan HK$39.08M · min. income ≈ HK$378,780/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$2,372,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,262
−HK$10,711/mo
▼ 0.25% · 3.875%
HK$203,579
−HK$5,394/mo
Today · 4.125%
HK$208,973
baseline
▲ 0.50% · 4.625%
HK$219,988
+HK$11,015/mo
Deposit HK$16.75M · loan HK$39.08M · min. income ≈ HK$417,946/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$2,372,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,133
−HK$14,368/mo
▼ 0.25% · 3.875%
HK$236,260
−HK$7,241/mo
Today · 4.125%
HK$243,501
baseline
▲ 0.50% · 4.625%
HK$258,318
+HK$14,817/mo
Deposit HK$5.58M · loan HK$50.24M · min. income ≈ HK$487,002/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$2,372,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,908
−HK$13,772/mo
▼ 0.25% · 3.875%
HK$261,744
−HK$6,936/mo
Today · 4.125%
HK$268,680
baseline
▲ 0.50% · 4.625%
HK$282,842
+HK$14,162/mo
Deposit HK$5.58M · loan HK$50.24M · min. income ≈ HK$537,360/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$2,372,575 · Scale 2, in force from 26 Feb 2026)