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$124,801
−HK$7,826/mo
▼ 0.25% · 3.875%
HK$128,683
−HK$3,944/mo
Today · 4.125%
HK$132,627
baseline
▲ 0.50% · 4.625%
HK$140,697
+HK$8,070/mo
Deposit HK$27.37M · loan HK$27.37M · min. income ≈ HK$265,254/mo (50% DSR)
Upfront cash ≈ HK$29.69M (deposit + AVD stamp duty HK$2,326,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,840
−HK$7,501/mo
▼ 0.25% · 3.875%
HK$142,563
−HK$3,778/mo
Today · 4.125%
HK$146,341
baseline
▲ 0.50% · 4.625%
HK$154,055
+HK$7,714/mo
Deposit HK$27.37M · loan HK$27.37M · min. income ≈ HK$292,682/mo (50% DSR)
Upfront cash ≈ HK$29.69M (deposit + AVD stamp duty HK$2,326,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,761
−HK$9,392/mo
▼ 0.25% · 3.875%
HK$154,420
−HK$4,733/mo
Today · 4.125%
HK$159,153
baseline
▲ 0.50% · 4.625%
HK$168,837
+HK$9,684/mo
Deposit HK$21.89M · loan HK$32.84M · min. income ≈ HK$318,306/mo (50% DSR)
Upfront cash ≈ HK$24.22M (deposit + AVD stamp duty HK$2,326,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,608
−HK$9,001/mo
▼ 0.25% · 3.875%
HK$171,076
−HK$4,533/mo
Today · 4.125%
HK$175,609
baseline
▲ 0.50% · 4.625%
HK$184,866
+HK$9,257/mo
Deposit HK$21.89M · loan HK$32.84M · min. income ≈ HK$351,218/mo (50% DSR)
Upfront cash ≈ HK$24.22M (deposit + AVD stamp duty HK$2,326,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,721
−HK$10,957/mo
▼ 0.25% · 3.875%
HK$180,156
−HK$5,522/mo
Today · 4.125%
HK$185,678
baseline
▲ 0.50% · 4.625%
HK$196,976
+HK$11,298/mo
Deposit HK$16.42M · loan HK$38.31M · min. income ≈ HK$371,356/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$2,326,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,376
−HK$10,501/mo
▼ 0.25% · 3.875%
HK$199,589
−HK$5,288/mo
Today · 4.125%
HK$204,877
baseline
▲ 0.50% · 4.625%
HK$215,677
+HK$10,800/mo
Deposit HK$16.42M · loan HK$38.31M · min. income ≈ HK$409,754/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$2,326,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,642
−HK$14,087/mo
▼ 0.25% · 3.875%
HK$231,629
−HK$7,100/mo
Today · 4.125%
HK$238,729
baseline
▲ 0.50% · 4.625%
HK$253,255
+HK$14,526/mo
Deposit HK$5.47M · loan HK$49.26M · min. income ≈ HK$477,458/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$2,326,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,912
−HK$13,502/mo
▼ 0.25% · 3.875%
HK$256,614
−HK$6,800/mo
Today · 4.125%
HK$263,414
baseline
▲ 0.50% · 4.625%
HK$277,299
+HK$13,885/mo
Deposit HK$5.47M · loan HK$49.26M · min. income ≈ HK$526,828/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$2,326,073 · Scale 2, in force from 26 Feb 2026)