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$126,602
−HK$7,939/mo
▼ 0.25% · 3.875%
HK$130,540
−HK$4,001/mo
Today · 4.125%
HK$134,541
baseline
▲ 0.50% · 4.625%
HK$142,727
+HK$8,186/mo
Deposit HK$27.76M · loan HK$27.76M · min. income ≈ HK$269,082/mo (50% DSR)
Upfront cash ≈ HK$30.12M (deposit + AVD stamp duty HK$2,359,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,843
−HK$7,610/mo
▼ 0.25% · 3.875%
HK$144,621
−HK$3,832/mo
Today · 4.125%
HK$148,453
baseline
▲ 0.50% · 4.625%
HK$156,278
+HK$7,825/mo
Deposit HK$27.76M · loan HK$27.76M · min. income ≈ HK$296,906/mo (50% DSR)
Upfront cash ≈ HK$30.12M (deposit + AVD stamp duty HK$2,359,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,922
−HK$9,527/mo
▼ 0.25% · 3.875%
HK$156,648
−HK$4,801/mo
Today · 4.125%
HK$161,449
baseline
▲ 0.50% · 4.625%
HK$171,273
+HK$9,824/mo
Deposit HK$22.21M · loan HK$33.31M · min. income ≈ HK$322,898/mo (50% DSR)
Upfront cash ≈ HK$24.57M (deposit + AVD stamp duty HK$2,359,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,012
−HK$9,131/mo
▼ 0.25% · 3.875%
HK$173,545
−HK$4,598/mo
Today · 4.125%
HK$178,143
baseline
▲ 0.50% · 4.625%
HK$187,533
+HK$9,390/mo
Deposit HK$22.21M · loan HK$33.31M · min. income ≈ HK$356,286/mo (50% DSR)
Upfront cash ≈ HK$24.57M (deposit + AVD stamp duty HK$2,359,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,243
−HK$11,114/mo
▼ 0.25% · 3.875%
HK$182,756
−HK$5,601/mo
Today · 4.125%
HK$188,357
baseline
▲ 0.50% · 4.625%
HK$199,818
+HK$11,461/mo
Deposit HK$16.66M · loan HK$38.86M · min. income ≈ HK$376,714/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$2,359,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,181
−HK$10,653/mo
▼ 0.25% · 3.875%
HK$202,469
−HK$5,365/mo
Today · 4.125%
HK$207,834
baseline
▲ 0.50% · 4.625%
HK$218,789
+HK$10,955/mo
Deposit HK$16.66M · loan HK$38.86M · min. income ≈ HK$415,668/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$2,359,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,883
−HK$14,291/mo
▼ 0.25% · 3.875%
HK$234,972
−HK$7,202/mo
Today · 4.125%
HK$242,174
baseline
▲ 0.50% · 4.625%
HK$256,909
+HK$14,735/mo
Deposit HK$5.55M · loan HK$49.97M · min. income ≈ HK$484,348/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$2,359,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,518
−HK$13,697/mo
▼ 0.25% · 3.875%
HK$260,317
−HK$6,898/mo
Today · 4.125%
HK$267,215
baseline
▲ 0.50% · 4.625%
HK$281,300
+HK$14,085/mo
Deposit HK$5.55M · loan HK$49.97M · min. income ≈ HK$534,430/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$2,359,638 · Scale 2, in force from 26 Feb 2026)