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$127,257
−HK$7,980/mo
▼ 0.25% · 3.875%
HK$131,215
−HK$4,022/mo
Today · 4.125%
HK$135,237
baseline
▲ 0.50% · 4.625%
HK$143,466
+HK$8,229/mo
Deposit HK$27.90M · loan HK$27.90M · min. income ≈ HK$270,474/mo (50% DSR)
Upfront cash ≈ HK$30.28M (deposit + AVD stamp duty HK$2,371,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,572
−HK$7,649/mo
▼ 0.25% · 3.875%
HK$145,369
−HK$3,852/mo
Today · 4.125%
HK$149,221
baseline
▲ 0.50% · 4.625%
HK$157,086
+HK$7,865/mo
Deposit HK$27.90M · loan HK$27.90M · min. income ≈ HK$298,442/mo (50% DSR)
Upfront cash ≈ HK$30.28M (deposit + AVD stamp duty HK$2,371,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,708
−HK$9,577/mo
▼ 0.25% · 3.875%
HK$157,458
−HK$4,827/mo
Today · 4.125%
HK$162,285
baseline
▲ 0.50% · 4.625%
HK$172,159
+HK$9,874/mo
Deposit HK$22.32M · loan HK$33.48M · min. income ≈ HK$324,570/mo (50% DSR)
Upfront cash ≈ HK$24.70M (deposit + AVD stamp duty HK$2,371,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,887
−HK$9,178/mo
▼ 0.25% · 3.875%
HK$174,443
−HK$4,622/mo
Today · 4.125%
HK$179,065
baseline
▲ 0.50% · 4.625%
HK$188,504
+HK$9,439/mo
Deposit HK$22.32M · loan HK$33.48M · min. income ≈ HK$358,130/mo (50% DSR)
Upfront cash ≈ HK$24.70M (deposit + AVD stamp duty HK$2,371,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,160
−HK$11,172/mo
▼ 0.25% · 3.875%
HK$183,702
−HK$5,630/mo
Today · 4.125%
HK$189,332
baseline
▲ 0.50% · 4.625%
HK$200,852
+HK$11,520/mo
Deposit HK$16.74M · loan HK$39.07M · min. income ≈ HK$378,664/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$2,371,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,201
−HK$10,708/mo
▼ 0.25% · 3.875%
HK$203,517
−HK$5,392/mo
Today · 4.125%
HK$208,909
baseline
▲ 0.50% · 4.625%
HK$219,921
+HK$11,012/mo
Deposit HK$16.74M · loan HK$39.07M · min. income ≈ HK$417,818/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$2,371,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,063
−HK$14,364/mo
▼ 0.25% · 3.875%
HK$236,188
−HK$7,239/mo
Today · 4.125%
HK$243,427
baseline
▲ 0.50% · 4.625%
HK$258,239
+HK$14,812/mo
Deposit HK$5.58M · loan HK$50.23M · min. income ≈ HK$486,854/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$2,371,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,830
−HK$13,767/mo
▼ 0.25% · 3.875%
HK$261,664
−HK$6,933/mo
Today · 4.125%
HK$268,597
baseline
▲ 0.50% · 4.625%
HK$282,756
+HK$14,159/mo
Deposit HK$5.58M · loan HK$50.23M · min. income ≈ HK$537,194/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$2,371,848 · Scale 2, in force from 26 Feb 2026)