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$126,061
−HK$7,905/mo
▼ 0.25% · 3.875%
HK$129,982
−HK$3,984/mo
Today · 4.125%
HK$133,966
baseline
▲ 0.50% · 4.625%
HK$142,117
+HK$8,151/mo
Deposit HK$27.64M · loan HK$27.64M · min. income ≈ HK$267,932/mo (50% DSR)
Upfront cash ≈ HK$29.99M (deposit + AVD stamp duty HK$2,349,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,241
−HK$7,577/mo
▼ 0.25% · 3.875%
HK$144,003
−HK$3,815/mo
Today · 4.125%
HK$147,818
baseline
▲ 0.50% · 4.625%
HK$155,610
+HK$7,792/mo
Deposit HK$27.64M · loan HK$27.64M · min. income ≈ HK$295,636/mo (50% DSR)
Upfront cash ≈ HK$29.99M (deposit + AVD stamp duty HK$2,349,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,273
−HK$9,486/mo
▼ 0.25% · 3.875%
HK$155,978
−HK$4,781/mo
Today · 4.125%
HK$160,759
baseline
▲ 0.50% · 4.625%
HK$170,541
+HK$9,782/mo
Deposit HK$22.11M · loan HK$33.17M · min. income ≈ HK$321,518/mo (50% DSR)
Upfront cash ≈ HK$24.46M (deposit + AVD stamp duty HK$2,349,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,290
−HK$9,092/mo
▼ 0.25% · 3.875%
HK$172,803
−HK$4,579/mo
Today · 4.125%
HK$177,382
baseline
▲ 0.50% · 4.625%
HK$186,732
+HK$9,350/mo
Deposit HK$22.11M · loan HK$33.17M · min. income ≈ HK$354,764/mo (50% DSR)
Upfront cash ≈ HK$24.46M (deposit + AVD stamp duty HK$2,349,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,485
−HK$11,067/mo
▼ 0.25% · 3.875%
HK$181,975
−HK$5,577/mo
Today · 4.125%
HK$187,552
baseline
▲ 0.50% · 4.625%
HK$198,964
+HK$11,412/mo
Deposit HK$16.59M · loan HK$38.70M · min. income ≈ HK$375,104/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$2,349,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,338
−HK$10,607/mo
▼ 0.25% · 3.875%
HK$201,604
−HK$5,341/mo
Today · 4.125%
HK$206,945
baseline
▲ 0.50% · 4.625%
HK$217,854
+HK$10,909/mo
Deposit HK$16.59M · loan HK$38.70M · min. income ≈ HK$413,890/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$2,349,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,909
−HK$14,230/mo
▼ 0.25% · 3.875%
HK$233,968
−HK$7,171/mo
Today · 4.125%
HK$241,139
baseline
▲ 0.50% · 4.625%
HK$255,811
+HK$14,672/mo
Deposit HK$5.53M · loan HK$49.76M · min. income ≈ HK$482,278/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$2,349,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,434
−HK$13,639/mo
▼ 0.25% · 3.875%
HK$259,205
−HK$6,868/mo
Today · 4.125%
HK$266,073
baseline
▲ 0.50% · 4.625%
HK$280,098
+HK$14,025/mo
Deposit HK$5.53M · loan HK$49.76M · min. income ≈ HK$532,146/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$2,349,553 · Scale 2, in force from 26 Feb 2026)