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$125,941
−HK$7,897/mo
▼ 0.25% · 3.875%
HK$129,858
−HK$3,980/mo
Today · 4.125%
HK$133,838
baseline
▲ 0.50% · 4.625%
HK$141,982
+HK$8,144/mo
Deposit HK$27.62M · loan HK$27.62M · min. income ≈ HK$267,676/mo (50% DSR)
Upfront cash ≈ HK$29.96M (deposit + AVD stamp duty HK$2,347,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,108
−HK$7,569/mo
▼ 0.25% · 3.875%
HK$143,865
−HK$3,812/mo
Today · 4.125%
HK$147,677
baseline
▲ 0.50% · 4.625%
HK$155,462
+HK$7,785/mo
Deposit HK$27.62M · loan HK$27.62M · min. income ≈ HK$295,354/mo (50% DSR)
Upfront cash ≈ HK$29.96M (deposit + AVD stamp duty HK$2,347,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,129
−HK$9,477/mo
▼ 0.25% · 3.875%
HK$155,830
−HK$4,776/mo
Today · 4.125%
HK$160,606
baseline
▲ 0.50% · 4.625%
HK$170,378
+HK$9,772/mo
Deposit HK$22.09M · loan HK$33.14M · min. income ≈ HK$321,212/mo (50% DSR)
Upfront cash ≈ HK$24.44M (deposit + AVD stamp duty HK$2,347,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,129
−HK$9,084/mo
▼ 0.25% · 3.875%
HK$172,638
−HK$4,575/mo
Today · 4.125%
HK$177,213
baseline
▲ 0.50% · 4.625%
HK$186,554
+HK$9,341/mo
Deposit HK$22.09M · loan HK$33.14M · min. income ≈ HK$354,426/mo (50% DSR)
Upfront cash ≈ HK$24.44M (deposit + AVD stamp duty HK$2,347,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,317
−HK$11,056/mo
▼ 0.25% · 3.875%
HK$181,801
−HK$5,572/mo
Today · 4.125%
HK$187,373
baseline
▲ 0.50% · 4.625%
HK$198,775
+HK$11,402/mo
Deposit HK$16.57M · loan HK$38.66M · min. income ≈ HK$374,746/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$2,347,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,151
−HK$10,597/mo
▼ 0.25% · 3.875%
HK$201,411
−HK$5,337/mo
Today · 4.125%
HK$206,748
baseline
▲ 0.50% · 4.625%
HK$217,646
+HK$10,898/mo
Deposit HK$16.57M · loan HK$38.66M · min. income ≈ HK$413,496/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$2,347,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,693
−HK$14,216/mo
▼ 0.25% · 3.875%
HK$233,745
−HK$7,164/mo
Today · 4.125%
HK$240,909
baseline
▲ 0.50% · 4.625%
HK$255,568
+HK$14,659/mo
Deposit HK$5.52M · loan HK$49.71M · min. income ≈ HK$481,818/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$2,347,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,194
−HK$13,625/mo
▼ 0.25% · 3.875%
HK$258,958
−HK$6,861/mo
Today · 4.125%
HK$265,819
baseline
▲ 0.50% · 4.625%
HK$279,831
+HK$14,012/mo
Deposit HK$5.52M · loan HK$49.71M · min. income ≈ HK$531,638/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$2,347,314 · Scale 2, in force from 26 Feb 2026)