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$127,180
−HK$7,975/mo
▼ 0.25% · 3.875%
HK$131,136
−HK$4,019/mo
Today · 4.125%
HK$135,155
baseline
▲ 0.50% · 4.625%
HK$143,379
+HK$8,224/mo
Deposit HK$27.89M · loan HK$27.89M · min. income ≈ HK$270,310/mo (50% DSR)
Upfront cash ≈ HK$30.26M (deposit + AVD stamp duty HK$2,370,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,487
−HK$7,644/mo
▼ 0.25% · 3.875%
HK$145,281
−HK$3,850/mo
Today · 4.125%
HK$149,131
baseline
▲ 0.50% · 4.625%
HK$156,991
+HK$7,860/mo
Deposit HK$27.89M · loan HK$27.89M · min. income ≈ HK$298,262/mo (50% DSR)
Upfront cash ≈ HK$30.26M (deposit + AVD stamp duty HK$2,370,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,616
−HK$9,570/mo
▼ 0.25% · 3.875%
HK$157,363
−HK$4,823/mo
Today · 4.125%
HK$162,186
baseline
▲ 0.50% · 4.625%
HK$172,055
+HK$9,869/mo
Deposit HK$22.31M · loan HK$33.46M · min. income ≈ HK$324,372/mo (50% DSR)
Upfront cash ≈ HK$24.68M (deposit + AVD stamp duty HK$2,370,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,784
−HK$9,173/mo
▼ 0.25% · 3.875%
HK$174,337
−HK$4,620/mo
Today · 4.125%
HK$178,957
baseline
▲ 0.50% · 4.625%
HK$188,390
+HK$9,433/mo
Deposit HK$22.31M · loan HK$33.46M · min. income ≈ HK$357,914/mo (50% DSR)
Upfront cash ≈ HK$24.68M (deposit + AVD stamp duty HK$2,370,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,052
−HK$11,165/mo
▼ 0.25% · 3.875%
HK$183,590
−HK$5,627/mo
Today · 4.125%
HK$189,217
baseline
▲ 0.50% · 4.625%
HK$200,731
+HK$11,514/mo
Deposit HK$16.73M · loan HK$39.04M · min. income ≈ HK$378,434/mo (50% DSR)
Upfront cash ≈ HK$19.10M (deposit + AVD stamp duty HK$2,370,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,081
−HK$10,702/mo
▼ 0.25% · 3.875%
HK$203,394
−HK$5,389/mo
Today · 4.125%
HK$208,783
baseline
▲ 0.50% · 4.625%
HK$219,788
+HK$11,005/mo
Deposit HK$16.73M · loan HK$39.04M · min. income ≈ HK$417,566/mo (50% DSR)
Upfront cash ≈ HK$19.10M (deposit + AVD stamp duty HK$2,370,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,924
−HK$14,356/mo
▼ 0.25% · 3.875%
HK$236,045
−HK$7,235/mo
Today · 4.125%
HK$243,280
baseline
▲ 0.50% · 4.625%
HK$258,083
+HK$14,803/mo
Deposit HK$5.58M · loan HK$50.20M · min. income ≈ HK$486,560/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$2,370,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,676
−HK$13,759/mo
▼ 0.25% · 3.875%
HK$261,506
−HK$6,929/mo
Today · 4.125%
HK$268,435
baseline
▲ 0.50% · 4.625%
HK$282,585
+HK$14,150/mo
Deposit HK$5.58M · loan HK$50.20M · min. income ≈ HK$536,870/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$2,370,414 · Scale 2, in force from 26 Feb 2026)