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$125,275
−HK$7,856/mo
▼ 0.25% · 3.875%
HK$129,172
−HK$3,959/mo
Today · 4.125%
HK$133,131
baseline
▲ 0.50% · 4.625%
HK$141,232
+HK$8,101/mo
Deposit HK$27.47M · loan HK$27.47M · min. income ≈ HK$266,262/mo (50% DSR)
Upfront cash ≈ HK$29.80M (deposit + AVD stamp duty HK$2,334,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,367
−HK$7,530/mo
▼ 0.25% · 3.875%
HK$143,105
−HK$3,792/mo
Today · 4.125%
HK$146,897
baseline
▲ 0.50% · 4.625%
HK$154,640
+HK$7,743/mo
Deposit HK$27.47M · loan HK$27.47M · min. income ≈ HK$293,794/mo (50% DSR)
Upfront cash ≈ HK$29.80M (deposit + AVD stamp duty HK$2,334,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,330
−HK$9,427/mo
▼ 0.25% · 3.875%
HK$155,006
−HK$4,751/mo
Today · 4.125%
HK$159,757
baseline
▲ 0.50% · 4.625%
HK$169,478
+HK$9,721/mo
Deposit HK$21.98M · loan HK$32.96M · min. income ≈ HK$319,514/mo (50% DSR)
Upfront cash ≈ HK$24.31M (deposit + AVD stamp duty HK$2,334,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,241
−HK$9,035/mo
▼ 0.25% · 3.875%
HK$171,726
−HK$4,550/mo
Today · 4.125%
HK$176,276
baseline
▲ 0.50% · 4.625%
HK$185,568
+HK$9,292/mo
Deposit HK$21.98M · loan HK$32.96M · min. income ≈ HK$352,552/mo (50% DSR)
Upfront cash ≈ HK$24.31M (deposit + AVD stamp duty HK$2,334,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,385
−HK$10,998/mo
▼ 0.25% · 3.875%
HK$180,841
−HK$5,542/mo
Today · 4.125%
HK$186,383
baseline
▲ 0.50% · 4.625%
HK$197,724
+HK$11,341/mo
Deposit HK$16.48M · loan HK$38.46M · min. income ≈ HK$372,766/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$2,334,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,114
−HK$10,542/mo
▼ 0.25% · 3.875%
HK$200,347
−HK$5,309/mo
Today · 4.125%
HK$205,656
baseline
▲ 0.50% · 4.625%
HK$216,496
+HK$10,840/mo
Deposit HK$16.48M · loan HK$38.46M · min. income ≈ HK$411,312/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$2,334,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,495
−HK$14,141/mo
▼ 0.25% · 3.875%
HK$232,509
−HK$7,127/mo
Today · 4.125%
HK$239,636
baseline
▲ 0.50% · 4.625%
HK$254,217
+HK$14,581/mo
Deposit HK$5.49M · loan HK$49.45M · min. income ≈ HK$479,272/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$2,334,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,861
−HK$13,553/mo
▼ 0.25% · 3.875%
HK$257,589
−HK$6,825/mo
Today · 4.125%
HK$264,414
baseline
▲ 0.50% · 4.625%
HK$278,352
+HK$13,938/mo
Deposit HK$5.49M · loan HK$49.45M · min. income ≈ HK$528,828/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$2,334,910 · Scale 2, in force from 26 Feb 2026)