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$125,676
−HK$7,881/mo
▼ 0.25% · 3.875%
HK$129,586
−HK$3,971/mo
Today · 4.125%
HK$133,557
baseline
▲ 0.50% · 4.625%
HK$141,684
+HK$8,127/mo
Deposit HK$27.56M · loan HK$27.56M · min. income ≈ HK$267,114/mo (50% DSR)
Upfront cash ≈ HK$29.90M (deposit + AVD stamp duty HK$2,342,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,814
−HK$7,553/mo
▼ 0.25% · 3.875%
HK$143,563
−HK$3,804/mo
Today · 4.125%
HK$147,367
baseline
▲ 0.50% · 4.625%
HK$155,135
+HK$7,768/mo
Deposit HK$27.56M · loan HK$27.56M · min. income ≈ HK$294,734/mo (50% DSR)
Upfront cash ≈ HK$29.90M (deposit + AVD stamp duty HK$2,342,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,812
−HK$9,457/mo
▼ 0.25% · 3.875%
HK$155,503
−HK$4,766/mo
Today · 4.125%
HK$160,269
baseline
▲ 0.50% · 4.625%
HK$170,021
+HK$9,752/mo
Deposit HK$22.05M · loan HK$33.07M · min. income ≈ HK$320,538/mo (50% DSR)
Upfront cash ≈ HK$24.39M (deposit + AVD stamp duty HK$2,342,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,776
−HK$9,065/mo
▼ 0.25% · 3.875%
HK$172,276
−HK$4,565/mo
Today · 4.125%
HK$176,841
baseline
▲ 0.50% · 4.625%
HK$186,162
+HK$9,321/mo
Deposit HK$22.05M · loan HK$33.07M · min. income ≈ HK$353,682/mo (50% DSR)
Upfront cash ≈ HK$24.39M (deposit + AVD stamp duty HK$2,342,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,947
−HK$11,033/mo
▼ 0.25% · 3.875%
HK$181,420
−HK$5,560/mo
Today · 4.125%
HK$186,980
baseline
▲ 0.50% · 4.625%
HK$198,358
+HK$11,378/mo
Deposit HK$16.53M · loan HK$38.58M · min. income ≈ HK$373,960/mo (50% DSR)
Upfront cash ≈ HK$18.88M (deposit + AVD stamp duty HK$2,342,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,739
−HK$10,575/mo
▼ 0.25% · 3.875%
HK$200,989
−HK$5,325/mo
Today · 4.125%
HK$206,314
baseline
▲ 0.50% · 4.625%
HK$217,189
+HK$10,875/mo
Deposit HK$16.53M · loan HK$38.58M · min. income ≈ HK$412,628/mo (50% DSR)
Upfront cash ≈ HK$18.88M (deposit + AVD stamp duty HK$2,342,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,217
−HK$14,186/mo
▼ 0.25% · 3.875%
HK$233,254
−HK$7,149/mo
Today · 4.125%
HK$240,403
baseline
▲ 0.50% · 4.625%
HK$255,031
+HK$14,628/mo
Deposit HK$5.51M · loan HK$49.60M · min. income ≈ HK$480,806/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$2,342,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,665
−HK$13,596/mo
▼ 0.25% · 3.875%
HK$258,414
−HK$6,847/mo
Today · 4.125%
HK$265,261
baseline
▲ 0.50% · 4.625%
HK$279,243
+HK$13,982/mo
Deposit HK$5.51M · loan HK$49.60M · min. income ≈ HK$530,522/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$2,342,387 · Scale 2, in force from 26 Feb 2026)