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$123,747
−HK$7,760/mo
▼ 0.25% · 3.875%
HK$127,596
−HK$3,911/mo
Today · 4.125%
HK$131,507
baseline
▲ 0.50% · 4.625%
HK$139,509
+HK$8,002/mo
Deposit HK$27.13M · loan HK$27.13M · min. income ≈ HK$263,014/mo (50% DSR)
Upfront cash ≈ HK$29.44M (deposit + AVD stamp duty HK$2,306,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,667
−HK$7,438/mo
▼ 0.25% · 3.875%
HK$141,360
−HK$3,745/mo
Today · 4.125%
HK$145,105
baseline
▲ 0.50% · 4.625%
HK$152,754
+HK$7,649/mo
Deposit HK$27.13M · loan HK$27.13M · min. income ≈ HK$290,210/mo (50% DSR)
Upfront cash ≈ HK$29.44M (deposit + AVD stamp duty HK$2,306,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,496
−HK$9,313/mo
▼ 0.25% · 3.875%
HK$153,116
−HK$4,693/mo
Today · 4.125%
HK$157,809
baseline
▲ 0.50% · 4.625%
HK$167,411
+HK$9,602/mo
Deposit HK$21.71M · loan HK$32.56M · min. income ≈ HK$315,618/mo (50% DSR)
Upfront cash ≈ HK$24.01M (deposit + AVD stamp duty HK$2,306,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,201
−HK$8,925/mo
▼ 0.25% · 3.875%
HK$169,631
−HK$4,495/mo
Today · 4.125%
HK$174,126
baseline
▲ 0.50% · 4.625%
HK$183,305
+HK$9,179/mo
Deposit HK$21.71M · loan HK$32.56M · min. income ≈ HK$348,252/mo (50% DSR)
Upfront cash ≈ HK$24.01M (deposit + AVD stamp duty HK$2,306,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,246
−HK$10,864/mo
▼ 0.25% · 3.875%
HK$178,635
−HK$5,475/mo
Today · 4.125%
HK$184,110
baseline
▲ 0.50% · 4.625%
HK$195,313
+HK$11,203/mo
Deposit HK$16.28M · loan HK$37.99M · min. income ≈ HK$368,220/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$2,306,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,734
−HK$10,413/mo
▼ 0.25% · 3.875%
HK$197,903
−HK$5,244/mo
Today · 4.125%
HK$203,147
baseline
▲ 0.50% · 4.625%
HK$213,855
+HK$10,708/mo
Deposit HK$16.28M · loan HK$37.99M · min. income ≈ HK$406,294/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$2,306,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,745
−HK$13,968/mo
▼ 0.25% · 3.875%
HK$229,673
−HK$7,040/mo
Today · 4.125%
HK$236,713
baseline
▲ 0.50% · 4.625%
HK$251,116
+HK$14,403/mo
Deposit HK$5.43M · loan HK$48.84M · min. income ≈ HK$473,426/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$2,306,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,801
−HK$13,388/mo
▼ 0.25% · 3.875%
HK$254,447
−HK$6,742/mo
Today · 4.125%
HK$261,189
baseline
▲ 0.50% · 4.625%
HK$274,957
+HK$13,768/mo
Deposit HK$5.43M · loan HK$48.84M · min. income ≈ HK$522,378/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$2,306,430 · Scale 2, in force from 26 Feb 2026)