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$126,448
−HK$7,929/mo
▼ 0.25% · 3.875%
HK$130,381
−HK$3,996/mo
Today · 4.125%
HK$134,377
baseline
▲ 0.50% · 4.625%
HK$142,553
+HK$8,176/mo
Deposit HK$27.73M · loan HK$27.73M · min. income ≈ HK$268,754/mo (50% DSR)
Upfront cash ≈ HK$30.08M (deposit + AVD stamp duty HK$2,356,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,672
−HK$7,600/mo
▼ 0.25% · 3.875%
HK$144,444
−HK$3,828/mo
Today · 4.125%
HK$148,272
baseline
▲ 0.50% · 4.625%
HK$156,087
+HK$7,815/mo
Deposit HK$27.73M · loan HK$27.73M · min. income ≈ HK$296,544/mo (50% DSR)
Upfront cash ≈ HK$30.08M (deposit + AVD stamp duty HK$2,356,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,737
−HK$9,515/mo
▼ 0.25% · 3.875%
HK$156,457
−HK$4,795/mo
Today · 4.125%
HK$161,252
baseline
▲ 0.50% · 4.625%
HK$171,064
+HK$9,812/mo
Deposit HK$22.18M · loan HK$33.27M · min. income ≈ HK$322,504/mo (50% DSR)
Upfront cash ≈ HK$24.54M (deposit + AVD stamp duty HK$2,356,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,806
−HK$9,120/mo
▼ 0.25% · 3.875%
HK$173,333
−HK$4,593/mo
Today · 4.125%
HK$177,926
baseline
▲ 0.50% · 4.625%
HK$187,305
+HK$9,379/mo
Deposit HK$22.18M · loan HK$33.27M · min. income ≈ HK$355,852/mo (50% DSR)
Upfront cash ≈ HK$24.54M (deposit + AVD stamp duty HK$2,356,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,027
−HK$11,101/mo
▼ 0.25% · 3.875%
HK$182,533
−HK$5,595/mo
Today · 4.125%
HK$188,128
baseline
▲ 0.50% · 4.625%
HK$199,575
+HK$11,447/mo
Deposit HK$16.64M · loan HK$38.82M · min. income ≈ HK$376,256/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$2,356,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,940
−HK$10,640/mo
▼ 0.25% · 3.875%
HK$202,222
−HK$5,358/mo
Today · 4.125%
HK$207,580
baseline
▲ 0.50% · 4.625%
HK$218,522
+HK$10,942/mo
Deposit HK$16.64M · loan HK$38.82M · min. income ≈ HK$415,160/mo (50% DSR)
Upfront cash ≈ HK$18.99M (deposit + AVD stamp duty HK$2,356,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,606
−HK$14,273/mo
▼ 0.25% · 3.875%
HK$234,685
−HK$7,194/mo
Today · 4.125%
HK$241,879
baseline
▲ 0.50% · 4.625%
HK$256,596
+HK$14,717/mo
Deposit HK$5.55M · loan HK$49.91M · min. income ≈ HK$483,758/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$2,356,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,209
−HK$13,680/mo
▼ 0.25% · 3.875%
HK$260,000
−HK$6,889/mo
Today · 4.125%
HK$266,889
baseline
▲ 0.50% · 4.625%
HK$280,957
+HK$14,068/mo
Deposit HK$5.55M · loan HK$49.91M · min. income ≈ HK$533,778/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$2,356,763 · Scale 2, in force from 26 Feb 2026)