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$124,966
−HK$7,836/mo
▼ 0.25% · 3.875%
HK$128,853
−HK$3,949/mo
Today · 4.125%
HK$132,802
baseline
▲ 0.50% · 4.625%
HK$140,883
+HK$8,081/mo
Deposit HK$27.40M · loan HK$27.40M · min. income ≈ HK$265,604/mo (50% DSR)
Upfront cash ≈ HK$29.73M (deposit + AVD stamp duty HK$2,329,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,023
−HK$7,511/mo
▼ 0.25% · 3.875%
HK$142,752
−HK$3,782/mo
Today · 4.125%
HK$146,534
baseline
▲ 0.50% · 4.625%
HK$154,258
+HK$7,724/mo
Deposit HK$27.40M · loan HK$27.40M · min. income ≈ HK$293,068/mo (50% DSR)
Upfront cash ≈ HK$29.73M (deposit + AVD stamp duty HK$2,329,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,959
−HK$9,404/mo
▼ 0.25% · 3.875%
HK$154,624
−HK$4,739/mo
Today · 4.125%
HK$159,363
baseline
▲ 0.50% · 4.625%
HK$169,060
+HK$9,697/mo
Deposit HK$21.92M · loan HK$32.88M · min. income ≈ HK$318,726/mo (50% DSR)
Upfront cash ≈ HK$24.25M (deposit + AVD stamp duty HK$2,329,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,828
−HK$9,013/mo
▼ 0.25% · 3.875%
HK$171,302
−HK$4,539/mo
Today · 4.125%
HK$175,841
baseline
▲ 0.50% · 4.625%
HK$185,110
+HK$9,269/mo
Deposit HK$21.92M · loan HK$32.88M · min. income ≈ HK$351,682/mo (50% DSR)
Upfront cash ≈ HK$24.25M (deposit + AVD stamp duty HK$2,329,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,952
−HK$10,971/mo
▼ 0.25% · 3.875%
HK$180,394
−HK$5,529/mo
Today · 4.125%
HK$185,923
baseline
▲ 0.50% · 4.625%
HK$197,236
+HK$11,313/mo
Deposit HK$16.44M · loan HK$38.36M · min. income ≈ HK$371,846/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$2,329,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,632
−HK$10,516/mo
▼ 0.25% · 3.875%
HK$199,852
−HK$5,296/mo
Today · 4.125%
HK$205,148
baseline
▲ 0.50% · 4.625%
HK$215,961
+HK$10,813/mo
Deposit HK$16.44M · loan HK$38.36M · min. income ≈ HK$410,296/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$2,329,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,938
−HK$14,106/mo
▼ 0.25% · 3.875%
HK$231,935
−HK$7,109/mo
Today · 4.125%
HK$239,044
baseline
▲ 0.50% · 4.625%
HK$253,589
+HK$14,545/mo
Deposit HK$5.48M · loan HK$49.32M · min. income ≈ HK$478,088/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$2,329,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,242
−HK$13,520/mo
▼ 0.25% · 3.875%
HK$256,953
−HK$6,809/mo
Today · 4.125%
HK$263,762
baseline
▲ 0.50% · 4.625%
HK$277,665
+HK$13,903/mo
Deposit HK$5.48M · loan HK$49.32M · min. income ≈ HK$527,524/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$2,329,145 · Scale 2, in force from 26 Feb 2026)