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$125,824
−HK$7,890/mo
▼ 0.25% · 3.875%
HK$129,738
−HK$3,976/mo
Today · 4.125%
HK$133,714
baseline
▲ 0.50% · 4.625%
HK$141,850
+HK$8,136/mo
Deposit HK$27.59M · loan HK$27.59M · min. income ≈ HK$267,428/mo (50% DSR)
Upfront cash ≈ HK$29.93M (deposit + AVD stamp duty HK$2,345,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,978
−HK$7,562/mo
▼ 0.25% · 3.875%
HK$143,732
−HK$3,808/mo
Today · 4.125%
HK$147,540
baseline
▲ 0.50% · 4.625%
HK$155,317
+HK$7,777/mo
Deposit HK$27.59M · loan HK$27.59M · min. income ≈ HK$295,080/mo (50% DSR)
Upfront cash ≈ HK$29.93M (deposit + AVD stamp duty HK$2,345,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,988
−HK$9,469/mo
▼ 0.25% · 3.875%
HK$155,685
−HK$4,772/mo
Today · 4.125%
HK$160,457
baseline
▲ 0.50% · 4.625%
HK$170,220
+HK$9,763/mo
Deposit HK$22.07M · loan HK$33.11M · min. income ≈ HK$320,914/mo (50% DSR)
Upfront cash ≈ HK$24.42M (deposit + AVD stamp duty HK$2,345,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,973
−HK$9,075/mo
▼ 0.25% · 3.875%
HK$172,478
−HK$4,570/mo
Today · 4.125%
HK$177,048
baseline
▲ 0.50% · 4.625%
HK$186,381
+HK$9,333/mo
Deposit HK$22.07M · loan HK$33.11M · min. income ≈ HK$354,096/mo (50% DSR)
Upfront cash ≈ HK$24.42M (deposit + AVD stamp duty HK$2,345,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,153
−HK$11,047/mo
▼ 0.25% · 3.875%
HK$181,633
−HK$5,567/mo
Today · 4.125%
HK$187,200
baseline
▲ 0.50% · 4.625%
HK$198,590
+HK$11,390/mo
Deposit HK$16.55M · loan HK$38.63M · min. income ≈ HK$374,400/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$2,345,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,969
−HK$10,587/mo
▼ 0.25% · 3.875%
HK$201,224
−HK$5,332/mo
Today · 4.125%
HK$206,556
baseline
▲ 0.50% · 4.625%
HK$217,444
+HK$10,888/mo
Deposit HK$16.55M · loan HK$38.63M · min. income ≈ HK$413,112/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$2,345,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,483
−HK$14,202/mo
▼ 0.25% · 3.875%
HK$233,528
−HK$7,157/mo
Today · 4.125%
HK$240,685
baseline
▲ 0.50% · 4.625%
HK$255,330
+HK$14,645/mo
Deposit HK$5.52M · loan HK$49.66M · min. income ≈ HK$481,370/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$2,345,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,960
−HK$13,612/mo
▼ 0.25% · 3.875%
HK$258,717
−HK$6,855/mo
Today · 4.125%
HK$265,572
baseline
▲ 0.50% · 4.625%
HK$279,571
+HK$13,999/mo
Deposit HK$5.52M · loan HK$49.66M · min. income ≈ HK$531,144/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$2,345,135 · Scale 2, in force from 26 Feb 2026)