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$125,653
−HK$7,880/mo
▼ 0.25% · 3.875%
HK$129,562
−HK$3,971/mo
Today · 4.125%
HK$133,533
baseline
▲ 0.50% · 4.625%
HK$141,658
+HK$8,125/mo
Deposit HK$27.55M · loan HK$27.55M · min. income ≈ HK$267,066/mo (50% DSR)
Upfront cash ≈ HK$29.89M (deposit + AVD stamp duty HK$2,341,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,788
−HK$7,552/mo
▼ 0.25% · 3.875%
HK$143,537
−HK$3,803/mo
Today · 4.125%
HK$147,340
baseline
▲ 0.50% · 4.625%
HK$155,107
+HK$7,767/mo
Deposit HK$27.55M · loan HK$27.55M · min. income ≈ HK$294,680/mo (50% DSR)
Upfront cash ≈ HK$29.89M (deposit + AVD stamp duty HK$2,341,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,784
−HK$9,455/mo
▼ 0.25% · 3.875%
HK$155,474
−HK$4,765/mo
Today · 4.125%
HK$160,239
baseline
▲ 0.50% · 4.625%
HK$169,990
+HK$9,751/mo
Deposit HK$22.04M · loan HK$33.06M · min. income ≈ HK$320,478/mo (50% DSR)
Upfront cash ≈ HK$24.38M (deposit + AVD stamp duty HK$2,341,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,746
−HK$9,062/mo
▼ 0.25% · 3.875%
HK$172,244
−HK$4,564/mo
Today · 4.125%
HK$176,808
baseline
▲ 0.50% · 4.625%
HK$186,128
+HK$9,320/mo
Deposit HK$22.04M · loan HK$33.06M · min. income ≈ HK$353,616/mo (50% DSR)
Upfront cash ≈ HK$24.38M (deposit + AVD stamp duty HK$2,341,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,915
−HK$11,031/mo
▼ 0.25% · 3.875%
HK$181,387
−HK$5,559/mo
Today · 4.125%
HK$186,946
baseline
▲ 0.50% · 4.625%
HK$198,321
+HK$11,375/mo
Deposit HK$16.53M · loan HK$38.57M · min. income ≈ HK$373,892/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$2,341,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,703
−HK$10,573/mo
▼ 0.25% · 3.875%
HK$200,952
−HK$5,324/mo
Today · 4.125%
HK$206,276
baseline
▲ 0.50% · 4.625%
HK$217,150
+HK$10,874/mo
Deposit HK$16.53M · loan HK$38.57M · min. income ≈ HK$412,552/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$2,341,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,176
−HK$14,183/mo
▼ 0.25% · 3.875%
HK$233,211
−HK$7,148/mo
Today · 4.125%
HK$240,359
baseline
▲ 0.50% · 4.625%
HK$254,984
+HK$14,625/mo
Deposit HK$5.51M · loan HK$49.59M · min. income ≈ HK$480,718/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$2,341,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,618
−HK$13,595/mo
▼ 0.25% · 3.875%
HK$258,367
−HK$6,846/mo
Today · 4.125%
HK$265,213
baseline
▲ 0.50% · 4.625%
HK$279,192
+HK$13,979/mo
Deposit HK$5.51M · loan HK$49.59M · min. income ≈ HK$530,426/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$2,341,958 · Scale 2, in force from 26 Feb 2026)