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$124,067
−HK$7,780/mo
▼ 0.25% · 3.875%
HK$127,926
−HK$3,921/mo
Today · 4.125%
HK$131,847
baseline
▲ 0.50% · 4.625%
HK$139,869
+HK$8,022/mo
Deposit HK$27.20M · loan HK$27.20M · min. income ≈ HK$263,694/mo (50% DSR)
Upfront cash ≈ HK$29.52M (deposit + AVD stamp duty HK$2,312,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,023
−HK$7,457/mo
▼ 0.25% · 3.875%
HK$141,725
−HK$3,755/mo
Today · 4.125%
HK$145,480
baseline
▲ 0.50% · 4.625%
HK$153,148
+HK$7,668/mo
Deposit HK$27.20M · loan HK$27.20M · min. income ≈ HK$290,960/mo (50% DSR)
Upfront cash ≈ HK$29.52M (deposit + AVD stamp duty HK$2,312,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,880
−HK$9,336/mo
▼ 0.25% · 3.875%
HK$153,511
−HK$4,705/mo
Today · 4.125%
HK$158,216
baseline
▲ 0.50% · 4.625%
HK$167,843
+HK$9,627/mo
Deposit HK$21.76M · loan HK$32.65M · min. income ≈ HK$316,432/mo (50% DSR)
Upfront cash ≈ HK$24.08M (deposit + AVD stamp duty HK$2,312,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,628
−HK$8,948/mo
▼ 0.25% · 3.875%
HK$170,070
−HK$4,506/mo
Today · 4.125%
HK$174,576
baseline
▲ 0.50% · 4.625%
HK$183,778
+HK$9,202/mo
Deposit HK$21.76M · loan HK$32.65M · min. income ≈ HK$349,152/mo (50% DSR)
Upfront cash ≈ HK$24.08M (deposit + AVD stamp duty HK$2,312,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,693
−HK$10,892/mo
▼ 0.25% · 3.875%
HK$179,096
−HK$5,489/mo
Today · 4.125%
HK$184,585
baseline
▲ 0.50% · 4.625%
HK$195,817
+HK$11,232/mo
Deposit HK$16.32M · loan HK$38.09M · min. income ≈ HK$369,170/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$2,312,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,232
−HK$10,440/mo
▼ 0.25% · 3.875%
HK$198,415
−HK$5,257/mo
Today · 4.125%
HK$203,672
baseline
▲ 0.50% · 4.625%
HK$214,408
+HK$10,736/mo
Deposit HK$16.32M · loan HK$38.09M · min. income ≈ HK$407,344/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$2,312,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,320
−HK$14,004/mo
▼ 0.25% · 3.875%
HK$230,267
−HK$7,057/mo
Today · 4.125%
HK$237,324
baseline
▲ 0.50% · 4.625%
HK$251,765
+HK$14,441/mo
Deposit HK$5.44M · loan HK$48.97M · min. income ≈ HK$474,648/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$2,312,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,441
−HK$13,423/mo
▼ 0.25% · 3.875%
HK$255,104
−HK$6,760/mo
Today · 4.125%
HK$261,864
baseline
▲ 0.50% · 4.625%
HK$275,667
+HK$13,803/mo
Deposit HK$5.44M · loan HK$48.97M · min. income ≈ HK$523,728/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$2,312,387 · Scale 2, in force from 26 Feb 2026)