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$123,632
−HK$7,753/mo
▼ 0.25% · 3.875%
HK$127,478
−HK$3,907/mo
Today · 4.125%
HK$131,385
baseline
▲ 0.50% · 4.625%
HK$139,380
+HK$7,995/mo
Deposit HK$27.11M · loan HK$27.11M · min. income ≈ HK$262,770/mo (50% DSR)
Upfront cash ≈ HK$29.41M (deposit + AVD stamp duty HK$2,304,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,540
−HK$7,430/mo
▼ 0.25% · 3.875%
HK$141,228
−HK$3,742/mo
Today · 4.125%
HK$144,970
baseline
▲ 0.50% · 4.625%
HK$152,612
+HK$7,642/mo
Deposit HK$27.11M · loan HK$27.11M · min. income ≈ HK$289,940/mo (50% DSR)
Upfront cash ≈ HK$29.41M (deposit + AVD stamp duty HK$2,304,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,359
−HK$9,303/mo
▼ 0.25% · 3.875%
HK$152,973
−HK$4,689/mo
Today · 4.125%
HK$157,662
baseline
▲ 0.50% · 4.625%
HK$167,255
+HK$9,593/mo
Deposit HK$21.69M · loan HK$32.53M · min. income ≈ HK$315,324/mo (50% DSR)
Upfront cash ≈ HK$23.99M (deposit + AVD stamp duty HK$2,304,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,048
−HK$8,917/mo
▼ 0.25% · 3.875%
HK$169,474
−HK$4,491/mo
Today · 4.125%
HK$173,965
baseline
▲ 0.50% · 4.625%
HK$183,134
+HK$9,169/mo
Deposit HK$21.69M · loan HK$32.53M · min. income ≈ HK$347,930/mo (50% DSR)
Upfront cash ≈ HK$23.99M (deposit + AVD stamp duty HK$2,304,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,085
−HK$10,854/mo
▼ 0.25% · 3.875%
HK$178,469
−HK$5,470/mo
Today · 4.125%
HK$183,939
baseline
▲ 0.50% · 4.625%
HK$195,131
+HK$11,192/mo
Deposit HK$16.27M · loan HK$37.95M · min. income ≈ HK$367,878/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$2,304,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,555
−HK$10,404/mo
▼ 0.25% · 3.875%
HK$197,720
−HK$5,239/mo
Today · 4.125%
HK$202,959
baseline
▲ 0.50% · 4.625%
HK$213,657
+HK$10,698/mo
Deposit HK$16.27M · loan HK$37.95M · min. income ≈ HK$405,918/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$2,304,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,538
−HK$13,955/mo
▼ 0.25% · 3.875%
HK$229,460
−HK$7,033/mo
Today · 4.125%
HK$236,493
baseline
▲ 0.50% · 4.625%
HK$250,883
+HK$14,390/mo
Deposit HK$5.42M · loan HK$48.80M · min. income ≈ HK$472,986/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$2,304,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,571
−HK$13,376/mo
▼ 0.25% · 3.875%
HK$254,211
−HK$6,736/mo
Today · 4.125%
HK$260,947
baseline
▲ 0.50% · 4.625%
HK$274,702
+HK$13,755/mo
Deposit HK$5.42M · loan HK$48.80M · min. income ≈ HK$521,894/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$2,304,289 · Scale 2, in force from 26 Feb 2026)