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$125,485
−HK$7,869/mo
▼ 0.25% · 3.875%
HK$129,388
−HK$3,966/mo
Today · 4.125%
HK$133,354
baseline
▲ 0.50% · 4.625%
HK$141,468
+HK$8,114/mo
Deposit HK$27.52M · loan HK$27.52M · min. income ≈ HK$266,708/mo (50% DSR)
Upfront cash ≈ HK$29.85M (deposit + AVD stamp duty HK$2,338,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,600
−HK$7,543/mo
▼ 0.25% · 3.875%
HK$143,344
−HK$3,799/mo
Today · 4.125%
HK$147,143
baseline
▲ 0.50% · 4.625%
HK$154,899
+HK$7,756/mo
Deposit HK$27.52M · loan HK$27.52M · min. income ≈ HK$294,286/mo (50% DSR)
Upfront cash ≈ HK$29.85M (deposit + AVD stamp duty HK$2,338,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,582
−HK$9,442/mo
▼ 0.25% · 3.875%
HK$155,266
−HK$4,758/mo
Today · 4.125%
HK$160,024
baseline
▲ 0.50% · 4.625%
HK$169,762
+HK$9,738/mo
Deposit HK$22.01M · loan HK$33.02M · min. income ≈ HK$320,048/mo (50% DSR)
Upfront cash ≈ HK$24.35M (deposit + AVD stamp duty HK$2,338,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,521
−HK$9,050/mo
▼ 0.25% · 3.875%
HK$172,013
−HK$4,558/mo
Today · 4.125%
HK$176,571
baseline
▲ 0.50% · 4.625%
HK$185,878
+HK$9,307/mo
Deposit HK$22.01M · loan HK$33.02M · min. income ≈ HK$353,142/mo (50% DSR)
Upfront cash ≈ HK$24.35M (deposit + AVD stamp duty HK$2,338,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,679
−HK$11,016/mo
▼ 0.25% · 3.875%
HK$181,143
−HK$5,552/mo
Today · 4.125%
HK$186,695
baseline
▲ 0.50% · 4.625%
HK$198,055
+HK$11,360/mo
Deposit HK$16.51M · loan HK$38.52M · min. income ≈ HK$373,390/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$2,338,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,441
−HK$10,559/mo
▼ 0.25% · 3.875%
HK$200,682
−HK$5,318/mo
Today · 4.125%
HK$206,000
baseline
▲ 0.50% · 4.625%
HK$216,858
+HK$10,858/mo
Deposit HK$16.51M · loan HK$38.52M · min. income ≈ HK$412,000/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$2,338,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,872
−HK$14,165/mo
▼ 0.25% · 3.875%
HK$232,898
−HK$7,139/mo
Today · 4.125%
HK$240,037
baseline
▲ 0.50% · 4.625%
HK$254,642
+HK$14,605/mo
Deposit HK$5.50M · loan HK$49.53M · min. income ≈ HK$480,074/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$2,338,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,281
−HK$13,576/mo
▼ 0.25% · 3.875%
HK$258,020
−HK$6,837/mo
Today · 4.125%
HK$264,857
baseline
▲ 0.50% · 4.625%
HK$278,818
+HK$13,961/mo
Deposit HK$5.50M · loan HK$49.53M · min. income ≈ HK$529,714/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$2,338,816 · Scale 2, in force from 26 Feb 2026)