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$126,589
−HK$7,939/mo
▼ 0.25% · 3.875%
HK$130,527
−HK$4,001/mo
Today · 4.125%
HK$134,528
baseline
▲ 0.50% · 4.625%
HK$142,713
+HK$8,185/mo
Deposit HK$27.76M · loan HK$27.76M · min. income ≈ HK$269,056/mo (50% DSR)
Upfront cash ≈ HK$30.12M (deposit + AVD stamp duty HK$2,359,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,830
−HK$7,608/mo
▼ 0.25% · 3.875%
HK$144,606
−HK$3,832/mo
Today · 4.125%
HK$148,438
baseline
▲ 0.50% · 4.625%
HK$156,262
+HK$7,824/mo
Deposit HK$27.76M · loan HK$27.76M · min. income ≈ HK$296,876/mo (50% DSR)
Upfront cash ≈ HK$30.12M (deposit + AVD stamp duty HK$2,359,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,907
−HK$9,526/mo
▼ 0.25% · 3.875%
HK$156,633
−HK$4,800/mo
Today · 4.125%
HK$161,433
baseline
▲ 0.50% · 4.625%
HK$171,256
+HK$9,823/mo
Deposit HK$22.21M · loan HK$33.31M · min. income ≈ HK$322,866/mo (50% DSR)
Upfront cash ≈ HK$24.57M (deposit + AVD stamp duty HK$2,359,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,995
−HK$9,131/mo
▼ 0.25% · 3.875%
HK$173,528
−HK$4,598/mo
Today · 4.125%
HK$178,126
baseline
▲ 0.50% · 4.625%
HK$187,515
+HK$9,389/mo
Deposit HK$22.21M · loan HK$33.31M · min. income ≈ HK$356,252/mo (50% DSR)
Upfront cash ≈ HK$24.57M (deposit + AVD stamp duty HK$2,359,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,225
−HK$11,114/mo
▼ 0.25% · 3.875%
HK$182,738
−HK$5,601/mo
Today · 4.125%
HK$188,339
baseline
▲ 0.50% · 4.625%
HK$199,799
+HK$11,460/mo
Deposit HK$16.65M · loan HK$38.86M · min. income ≈ HK$376,678/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$2,359,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,161
−HK$10,652/mo
▼ 0.25% · 3.875%
HK$202,449
−HK$5,364/mo
Today · 4.125%
HK$207,813
baseline
▲ 0.50% · 4.625%
HK$218,767
+HK$10,954/mo
Deposit HK$16.65M · loan HK$38.86M · min. income ≈ HK$415,626/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$2,359,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,861
−HK$14,289/mo
▼ 0.25% · 3.875%
HK$234,949
−HK$7,201/mo
Today · 4.125%
HK$242,150
baseline
▲ 0.50% · 4.625%
HK$256,884
+HK$14,734/mo
Deposit HK$5.55M · loan HK$49.96M · min. income ≈ HK$484,300/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$2,359,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,493
−HK$13,696/mo
▼ 0.25% · 3.875%
HK$260,292
−HK$6,897/mo
Today · 4.125%
HK$267,189
baseline
▲ 0.50% · 4.625%
HK$281,272
+HK$14,083/mo
Deposit HK$5.55M · loan HK$49.96M · min. income ≈ HK$534,378/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$2,359,407 · Scale 2, in force from 26 Feb 2026)