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$123,709
−HK$7,758/mo
▼ 0.25% · 3.875%
HK$127,557
−HK$3,910/mo
Today · 4.125%
HK$131,467
baseline
▲ 0.50% · 4.625%
HK$139,466
+HK$7,999/mo
Deposit HK$27.13M · loan HK$27.13M · min. income ≈ HK$262,934/mo (50% DSR)
Upfront cash ≈ HK$29.43M (deposit + AVD stamp duty HK$2,305,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,625
−HK$7,435/mo
▼ 0.25% · 3.875%
HK$141,316
−HK$3,744/mo
Today · 4.125%
HK$145,060
baseline
▲ 0.50% · 4.625%
HK$152,707
+HK$7,647/mo
Deposit HK$27.13M · loan HK$27.13M · min. income ≈ HK$290,120/mo (50% DSR)
Upfront cash ≈ HK$29.43M (deposit + AVD stamp duty HK$2,305,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,451
−HK$9,309/mo
▼ 0.25% · 3.875%
HK$153,068
−HK$4,692/mo
Today · 4.125%
HK$157,760
baseline
▲ 0.50% · 4.625%
HK$167,359
+HK$9,599/mo
Deposit HK$21.70M · loan HK$32.55M · min. income ≈ HK$315,520/mo (50% DSR)
Upfront cash ≈ HK$24.01M (deposit + AVD stamp duty HK$2,305,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,150
−HK$8,923/mo
▼ 0.25% · 3.875%
HK$169,579
−HK$4,494/mo
Today · 4.125%
HK$174,073
baseline
▲ 0.50% · 4.625%
HK$183,248
+HK$9,175/mo
Deposit HK$21.70M · loan HK$32.55M · min. income ≈ HK$348,146/mo (50% DSR)
Upfront cash ≈ HK$24.01M (deposit + AVD stamp duty HK$2,305,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,193
−HK$10,860/mo
▼ 0.25% · 3.875%
HK$178,580
−HK$5,473/mo
Today · 4.125%
HK$184,053
baseline
▲ 0.50% · 4.625%
HK$195,252
+HK$11,199/mo
Deposit HK$16.28M · loan HK$37.98M · min. income ≈ HK$368,106/mo (50% DSR)
Upfront cash ≈ HK$18.58M (deposit + AVD stamp duty HK$2,305,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,675
−HK$10,410/mo
▼ 0.25% · 3.875%
HK$197,842
−HK$5,243/mo
Today · 4.125%
HK$203,085
baseline
▲ 0.50% · 4.625%
HK$213,789
+HK$10,704/mo
Deposit HK$16.28M · loan HK$37.98M · min. income ≈ HK$406,170/mo (50% DSR)
Upfront cash ≈ HK$18.58M (deposit + AVD stamp duty HK$2,305,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,676
−HK$13,964/mo
▼ 0.25% · 3.875%
HK$229,603
−HK$7,037/mo
Today · 4.125%
HK$236,640
baseline
▲ 0.50% · 4.625%
HK$251,039
+HK$14,399/mo
Deposit HK$5.43M · loan HK$48.83M · min. income ≈ HK$473,280/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$2,305,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,725
−HK$13,384/mo
▼ 0.25% · 3.875%
HK$254,369
−HK$6,740/mo
Today · 4.125%
HK$261,109
baseline
▲ 0.50% · 4.625%
HK$274,872
+HK$13,763/mo
Deposit HK$5.43M · loan HK$48.83M · min. income ≈ HK$522,218/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$2,305,720 · Scale 2, in force from 26 Feb 2026)