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$126,030
−HK$7,903/mo
▼ 0.25% · 3.875%
HK$129,950
−HK$3,983/mo
Today · 4.125%
HK$133,933
baseline
▲ 0.50% · 4.625%
HK$142,083
+HK$8,150/mo
Deposit HK$27.64M · loan HK$27.64M · min. income ≈ HK$267,866/mo (50% DSR)
Upfront cash ≈ HK$29.98M (deposit + AVD stamp duty HK$2,348,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,207
−HK$7,575/mo
▼ 0.25% · 3.875%
HK$143,967
−HK$3,815/mo
Today · 4.125%
HK$147,782
baseline
▲ 0.50% · 4.625%
HK$155,572
+HK$7,790/mo
Deposit HK$27.64M · loan HK$27.64M · min. income ≈ HK$295,564/mo (50% DSR)
Upfront cash ≈ HK$29.98M (deposit + AVD stamp duty HK$2,348,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,236
−HK$9,484/mo
▼ 0.25% · 3.875%
HK$155,940
−HK$4,780/mo
Today · 4.125%
HK$160,720
baseline
▲ 0.50% · 4.625%
HK$170,499
+HK$9,779/mo
Deposit HK$22.11M · loan HK$33.16M · min. income ≈ HK$321,440/mo (50% DSR)
Upfront cash ≈ HK$24.46M (deposit + AVD stamp duty HK$2,348,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,248
−HK$9,090/mo
▼ 0.25% · 3.875%
HK$172,761
−HK$4,577/mo
Today · 4.125%
HK$177,338
baseline
▲ 0.50% · 4.625%
HK$186,686
+HK$9,348/mo
Deposit HK$22.11M · loan HK$33.16M · min. income ≈ HK$354,676/mo (50% DSR)
Upfront cash ≈ HK$24.46M (deposit + AVD stamp duty HK$2,348,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,442
−HK$11,064/mo
▼ 0.25% · 3.875%
HK$181,930
−HK$5,576/mo
Today · 4.125%
HK$187,506
baseline
▲ 0.50% · 4.625%
HK$198,916
+HK$11,410/mo
Deposit HK$16.58M · loan HK$38.69M · min. income ≈ HK$375,012/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$2,348,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,290
−HK$10,605/mo
▼ 0.25% · 3.875%
HK$201,554
−HK$5,341/mo
Today · 4.125%
HK$206,895
baseline
▲ 0.50% · 4.625%
HK$217,800
+HK$10,905/mo
Deposit HK$16.58M · loan HK$38.69M · min. income ≈ HK$413,790/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$2,348,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,854
−HK$14,225/mo
▼ 0.25% · 3.875%
HK$233,910
−HK$7,169/mo
Today · 4.125%
HK$241,079
baseline
▲ 0.50% · 4.625%
HK$255,749
+HK$14,670/mo
Deposit HK$5.53M · loan HK$49.74M · min. income ≈ HK$482,158/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$2,348,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,372
−HK$13,635/mo
▼ 0.25% · 3.875%
HK$259,141
−HK$6,866/mo
Today · 4.125%
HK$266,007
baseline
▲ 0.50% · 4.625%
HK$280,029
+HK$14,022/mo
Deposit HK$5.53M · loan HK$49.74M · min. income ≈ HK$532,014/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$2,348,977 · Scale 2, in force from 26 Feb 2026)