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$124,692
−HK$7,819/mo
▼ 0.25% · 3.875%
HK$128,571
−HK$3,940/mo
Today · 4.125%
HK$132,511
baseline
▲ 0.50% · 4.625%
HK$140,574
+HK$8,063/mo
Deposit HK$27.34M · loan HK$27.34M · min. income ≈ HK$265,022/mo (50% DSR)
Upfront cash ≈ HK$29.67M (deposit + AVD stamp duty HK$2,324,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,719
−HK$7,494/mo
▼ 0.25% · 3.875%
HK$142,439
−HK$3,774/mo
Today · 4.125%
HK$146,213
baseline
▲ 0.50% · 4.625%
HK$153,920
+HK$7,707/mo
Deposit HK$27.34M · loan HK$27.34M · min. income ≈ HK$292,426/mo (50% DSR)
Upfront cash ≈ HK$29.67M (deposit + AVD stamp duty HK$2,324,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,630
−HK$9,384/mo
▼ 0.25% · 3.875%
HK$154,285
−HK$4,729/mo
Today · 4.125%
HK$159,014
baseline
▲ 0.50% · 4.625%
HK$168,689
+HK$9,675/mo
Deposit HK$21.87M · loan HK$32.81M · min. income ≈ HK$318,028/mo (50% DSR)
Upfront cash ≈ HK$24.20M (deposit + AVD stamp duty HK$2,324,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,462
−HK$8,994/mo
▼ 0.25% · 3.875%
HK$170,927
−HK$4,529/mo
Today · 4.125%
HK$175,456
baseline
▲ 0.50% · 4.625%
HK$184,704
+HK$9,248/mo
Deposit HK$21.87M · loan HK$32.81M · min. income ≈ HK$350,912/mo (50% DSR)
Upfront cash ≈ HK$24.20M (deposit + AVD stamp duty HK$2,324,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,569
−HK$10,947/mo
▼ 0.25% · 3.875%
HK$179,999
−HK$5,517/mo
Today · 4.125%
HK$185,516
baseline
▲ 0.50% · 4.625%
HK$196,804
+HK$11,288/mo
Deposit HK$16.40M · loan HK$38.28M · min. income ≈ HK$371,032/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$2,324,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,206
−HK$10,492/mo
▼ 0.25% · 3.875%
HK$199,415
−HK$5,283/mo
Today · 4.125%
HK$204,698
baseline
▲ 0.50% · 4.625%
HK$215,488
+HK$10,790/mo
Deposit HK$16.40M · loan HK$38.28M · min. income ≈ HK$409,396/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$2,324,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,446
−HK$14,074/mo
▼ 0.25% · 3.875%
HK$231,427
−HK$7,093/mo
Today · 4.125%
HK$238,520
baseline
▲ 0.50% · 4.625%
HK$253,034
+HK$14,514/mo
Deposit HK$5.47M · loan HK$49.21M · min. income ≈ HK$477,040/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$2,324,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,694
−HK$13,490/mo
▼ 0.25% · 3.875%
HK$256,390
−HK$6,794/mo
Today · 4.125%
HK$263,184
baseline
▲ 0.50% · 4.625%
HK$277,056
+HK$13,872/mo
Deposit HK$5.47M · loan HK$49.21M · min. income ≈ HK$526,368/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$2,324,042 · Scale 2, in force from 26 Feb 2026)