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$125,277
−HK$7,856/mo
▼ 0.25% · 3.875%
HK$129,174
−HK$3,959/mo
Today · 4.125%
HK$133,133
baseline
▲ 0.50% · 4.625%
HK$141,234
+HK$8,101/mo
Deposit HK$27.47M · loan HK$27.47M · min. income ≈ HK$266,266/mo (50% DSR)
Upfront cash ≈ HK$29.80M (deposit + AVD stamp duty HK$2,334,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,369
−HK$7,530/mo
▼ 0.25% · 3.875%
HK$143,107
−HK$3,792/mo
Today · 4.125%
HK$146,899
baseline
▲ 0.50% · 4.625%
HK$154,642
+HK$7,743/mo
Deposit HK$27.47M · loan HK$27.47M · min. income ≈ HK$293,798/mo (50% DSR)
Upfront cash ≈ HK$29.80M (deposit + AVD stamp duty HK$2,334,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,332
−HK$9,428/mo
▼ 0.25% · 3.875%
HK$155,009
−HK$4,751/mo
Today · 4.125%
HK$159,760
baseline
▲ 0.50% · 4.625%
HK$169,481
+HK$9,721/mo
Deposit HK$21.98M · loan HK$32.96M · min. income ≈ HK$319,520/mo (50% DSR)
Upfront cash ≈ HK$24.31M (deposit + AVD stamp duty HK$2,334,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,243
−HK$9,036/mo
▼ 0.25% · 3.875%
HK$171,729
−HK$4,550/mo
Today · 4.125%
HK$176,279
baseline
▲ 0.50% · 4.625%
HK$185,571
+HK$9,292/mo
Deposit HK$21.98M · loan HK$32.96M · min. income ≈ HK$352,558/mo (50% DSR)
Upfront cash ≈ HK$24.31M (deposit + AVD stamp duty HK$2,334,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,388
−HK$10,998/mo
▼ 0.25% · 3.875%
HK$180,843
−HK$5,543/mo
Today · 4.125%
HK$186,386
baseline
▲ 0.50% · 4.625%
HK$197,727
+HK$11,341/mo
Deposit HK$16.48M · loan HK$38.46M · min. income ≈ HK$372,772/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$2,334,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,117
−HK$10,542/mo
▼ 0.25% · 3.875%
HK$200,350
−HK$5,309/mo
Today · 4.125%
HK$205,659
baseline
▲ 0.50% · 4.625%
HK$216,499
+HK$10,840/mo
Deposit HK$16.48M · loan HK$38.46M · min. income ≈ HK$411,318/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$2,334,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,499
−HK$14,140/mo
▼ 0.25% · 3.875%
HK$232,513
−HK$7,126/mo
Today · 4.125%
HK$239,639
baseline
▲ 0.50% · 4.625%
HK$254,221
+HK$14,582/mo
Deposit HK$5.49M · loan HK$49.45M · min. income ≈ HK$479,278/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$2,334,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,865
−HK$13,553/mo
▼ 0.25% · 3.875%
HK$257,593
−HK$6,825/mo
Today · 4.125%
HK$264,418
baseline
▲ 0.50% · 4.625%
HK$278,356
+HK$13,938/mo
Deposit HK$5.49M · loan HK$49.45M · min. income ≈ HK$528,836/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$2,334,944 · Scale 2, in force from 26 Feb 2026)