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$126,022
−HK$7,902/mo
▼ 0.25% · 3.875%
HK$129,942
−HK$3,982/mo
Today · 4.125%
HK$133,924
baseline
▲ 0.50% · 4.625%
HK$142,073
+HK$8,149/mo
Deposit HK$27.63M · loan HK$27.63M · min. income ≈ HK$267,848/mo (50% DSR)
Upfront cash ≈ HK$29.98M (deposit + AVD stamp duty HK$2,348,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,198
−HK$7,574/mo
▼ 0.25% · 3.875%
HK$143,958
−HK$3,814/mo
Today · 4.125%
HK$147,772
baseline
▲ 0.50% · 4.625%
HK$155,562
+HK$7,790/mo
Deposit HK$27.63M · loan HK$27.63M · min. income ≈ HK$295,544/mo (50% DSR)
Upfront cash ≈ HK$29.98M (deposit + AVD stamp duty HK$2,348,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,226
−HK$9,483/mo
▼ 0.25% · 3.875%
HK$155,930
−HK$4,779/mo
Today · 4.125%
HK$160,709
baseline
▲ 0.50% · 4.625%
HK$170,488
+HK$9,779/mo
Deposit HK$22.11M · loan HK$33.16M · min. income ≈ HK$321,418/mo (50% DSR)
Upfront cash ≈ HK$24.46M (deposit + AVD stamp duty HK$2,348,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,238
−HK$9,089/mo
▼ 0.25% · 3.875%
HK$172,750
−HK$4,577/mo
Today · 4.125%
HK$177,327
baseline
▲ 0.50% · 4.625%
HK$186,674
+HK$9,347/mo
Deposit HK$22.11M · loan HK$33.16M · min. income ≈ HK$354,654/mo (50% DSR)
Upfront cash ≈ HK$24.46M (deposit + AVD stamp duty HK$2,348,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,430
−HK$11,064/mo
▼ 0.25% · 3.875%
HK$181,918
−HK$5,576/mo
Today · 4.125%
HK$187,494
baseline
▲ 0.50% · 4.625%
HK$198,903
+HK$11,409/mo
Deposit HK$16.58M · loan HK$38.69M · min. income ≈ HK$374,988/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$2,348,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,277
−HK$10,604/mo
▼ 0.25% · 3.875%
HK$201,541
−HK$5,340/mo
Today · 4.125%
HK$206,881
baseline
▲ 0.50% · 4.625%
HK$217,786
+HK$10,905/mo
Deposit HK$16.58M · loan HK$38.69M · min. income ≈ HK$413,762/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$2,348,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,839
−HK$14,225/mo
▼ 0.25% · 3.875%
HK$233,895
−HK$7,169/mo
Today · 4.125%
HK$241,064
baseline
▲ 0.50% · 4.625%
HK$255,732
+HK$14,668/mo
Deposit HK$5.53M · loan HK$49.74M · min. income ≈ HK$482,128/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$2,348,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,356
−HK$13,634/mo
▼ 0.25% · 3.875%
HK$259,124
−HK$6,866/mo
Today · 4.125%
HK$265,990
baseline
▲ 0.50% · 4.625%
HK$280,011
+HK$14,021/mo
Deposit HK$5.53M · loan HK$49.74M · min. income ≈ HK$531,980/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$2,348,826 · Scale 2, in force from 26 Feb 2026)