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$125,480
−HK$7,869/mo
▼ 0.25% · 3.875%
HK$129,384
−HK$3,965/mo
Today · 4.125%
HK$133,349
baseline
▲ 0.50% · 4.625%
HK$141,463
+HK$8,114/mo
Deposit HK$27.51M · loan HK$27.51M · min. income ≈ HK$266,698/mo (50% DSR)
Upfront cash ≈ HK$29.85M (deposit + AVD stamp duty HK$2,338,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,596
−HK$7,542/mo
▼ 0.25% · 3.875%
HK$143,340
−HK$3,798/mo
Today · 4.125%
HK$147,138
baseline
▲ 0.50% · 4.625%
HK$154,894
+HK$7,756/mo
Deposit HK$27.51M · loan HK$27.51M · min. income ≈ HK$294,276/mo (50% DSR)
Upfront cash ≈ HK$29.85M (deposit + AVD stamp duty HK$2,338,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,577
−HK$9,442/mo
▼ 0.25% · 3.875%
HK$155,260
−HK$4,759/mo
Today · 4.125%
HK$160,019
baseline
▲ 0.50% · 4.625%
HK$169,756
+HK$9,737/mo
Deposit HK$22.01M · loan HK$33.02M · min. income ≈ HK$320,038/mo (50% DSR)
Upfront cash ≈ HK$24.35M (deposit + AVD stamp duty HK$2,338,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,515
−HK$9,050/mo
▼ 0.25% · 3.875%
HK$172,008
−HK$4,557/mo
Today · 4.125%
HK$176,565
baseline
▲ 0.50% · 4.625%
HK$185,872
+HK$9,307/mo
Deposit HK$22.01M · loan HK$33.02M · min. income ≈ HK$353,130/mo (50% DSR)
Upfront cash ≈ HK$24.35M (deposit + AVD stamp duty HK$2,338,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,673
−HK$11,016/mo
▼ 0.25% · 3.875%
HK$181,137
−HK$5,552/mo
Today · 4.125%
HK$186,689
baseline
▲ 0.50% · 4.625%
HK$198,048
+HK$11,359/mo
Deposit HK$16.51M · loan HK$38.52M · min. income ≈ HK$373,378/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$2,338,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,434
−HK$10,559/mo
▼ 0.25% · 3.875%
HK$200,676
−HK$5,317/mo
Today · 4.125%
HK$205,993
baseline
▲ 0.50% · 4.625%
HK$216,851
+HK$10,858/mo
Deposit HK$16.51M · loan HK$38.52M · min. income ≈ HK$411,986/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$2,338,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,865
−HK$14,164/mo
▼ 0.25% · 3.875%
HK$232,891
−HK$7,138/mo
Today · 4.125%
HK$240,029
baseline
▲ 0.50% · 4.625%
HK$254,634
+HK$14,605/mo
Deposit HK$5.50M · loan HK$49.53M · min. income ≈ HK$480,058/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$2,338,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,272
−HK$13,576/mo
▼ 0.25% · 3.875%
HK$258,011
−HK$6,837/mo
Today · 4.125%
HK$264,848
baseline
▲ 0.50% · 4.625%
HK$278,808
+HK$13,960/mo
Deposit HK$5.50M · loan HK$49.53M · min. income ≈ HK$529,696/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$2,338,737 · Scale 2, in force from 26 Feb 2026)