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$126,759
−HK$7,949/mo
▼ 0.25% · 3.875%
HK$130,702
−HK$4,006/mo
Today · 4.125%
HK$134,708
baseline
▲ 0.50% · 4.625%
HK$142,904
+HK$8,196/mo
Deposit HK$27.79M · loan HK$27.79M · min. income ≈ HK$269,416/mo (50% DSR)
Upfront cash ≈ HK$30.16M (deposit + AVD stamp duty HK$2,362,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,018
−HK$7,619/mo
▼ 0.25% · 3.875%
HK$144,800
−HK$3,837/mo
Today · 4.125%
HK$148,637
baseline
▲ 0.50% · 4.625%
HK$156,471
+HK$7,834/mo
Deposit HK$27.79M · loan HK$27.79M · min. income ≈ HK$297,274/mo (50% DSR)
Upfront cash ≈ HK$30.16M (deposit + AVD stamp duty HK$2,362,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,110
−HK$9,539/mo
▼ 0.25% · 3.875%
HK$156,842
−HK$4,807/mo
Today · 4.125%
HK$161,649
baseline
▲ 0.50% · 4.625%
HK$171,485
+HK$9,836/mo
Deposit HK$22.24M · loan HK$33.35M · min. income ≈ HK$323,298/mo (50% DSR)
Upfront cash ≈ HK$24.60M (deposit + AVD stamp duty HK$2,362,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,221
−HK$9,143/mo
▼ 0.25% · 3.875%
HK$173,760
−HK$4,604/mo
Today · 4.125%
HK$178,364
baseline
▲ 0.50% · 4.625%
HK$187,766
+HK$9,402/mo
Deposit HK$22.24M · loan HK$33.35M · min. income ≈ HK$356,728/mo (50% DSR)
Upfront cash ≈ HK$24.60M (deposit + AVD stamp duty HK$2,362,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,462
−HK$11,129/mo
▼ 0.25% · 3.875%
HK$182,982
−HK$5,609/mo
Today · 4.125%
HK$188,591
baseline
▲ 0.50% · 4.625%
HK$200,066
+HK$11,475/mo
Deposit HK$16.68M · loan HK$38.91M · min. income ≈ HK$377,182/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$2,362,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,425
−HK$10,666/mo
▼ 0.25% · 3.875%
HK$202,720
−HK$5,371/mo
Today · 4.125%
HK$208,091
baseline
▲ 0.50% · 4.625%
HK$219,060
+HK$10,969/mo
Deposit HK$16.68M · loan HK$38.91M · min. income ≈ HK$416,182/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$2,362,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,166
−HK$14,308/mo
▼ 0.25% · 3.875%
HK$235,263
−HK$7,211/mo
Today · 4.125%
HK$242,474
baseline
▲ 0.50% · 4.625%
HK$257,228
+HK$14,754/mo
Deposit HK$5.56M · loan HK$50.03M · min. income ≈ HK$484,948/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$2,362,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,832
−HK$13,714/mo
▼ 0.25% · 3.875%
HK$260,640
−HK$6,906/mo
Today · 4.125%
HK$267,546
baseline
▲ 0.50% · 4.625%
HK$281,648
+HK$14,102/mo
Deposit HK$5.56M · loan HK$50.03M · min. income ≈ HK$535,092/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$2,362,561 · Scale 2, in force from 26 Feb 2026)