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$124,366
−HK$7,799/mo
▼ 0.25% · 3.875%
HK$128,235
−HK$3,930/mo
Today · 4.125%
HK$132,165
baseline
▲ 0.50% · 4.625%
HK$140,207
+HK$8,042/mo
Deposit HK$27.27M · loan HK$27.27M · min. income ≈ HK$264,330/mo (50% DSR)
Upfront cash ≈ HK$29.59M (deposit + AVD stamp duty HK$2,317,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,356
−HK$7,475/mo
▼ 0.25% · 3.875%
HK$142,067
−HK$3,764/mo
Today · 4.125%
HK$145,831
baseline
▲ 0.50% · 4.625%
HK$153,518
+HK$7,687/mo
Deposit HK$27.27M · loan HK$27.27M · min. income ≈ HK$291,662/mo (50% DSR)
Upfront cash ≈ HK$29.59M (deposit + AVD stamp duty HK$2,317,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,240
−HK$9,358/mo
▼ 0.25% · 3.875%
HK$153,882
−HK$4,716/mo
Today · 4.125%
HK$158,598
baseline
▲ 0.50% · 4.625%
HK$168,249
+HK$9,651/mo
Deposit HK$21.82M · loan HK$32.72M · min. income ≈ HK$317,196/mo (50% DSR)
Upfront cash ≈ HK$24.13M (deposit + AVD stamp duty HK$2,317,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,027
−HK$8,970/mo
▼ 0.25% · 3.875%
HK$170,480
−HK$4,517/mo
Today · 4.125%
HK$174,997
baseline
▲ 0.50% · 4.625%
HK$184,222
+HK$9,225/mo
Deposit HK$21.82M · loan HK$32.72M · min. income ≈ HK$349,994/mo (50% DSR)
Upfront cash ≈ HK$24.13M (deposit + AVD stamp duty HK$2,317,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,113
−HK$10,918/mo
▼ 0.25% · 3.875%
HK$179,529
−HK$5,502/mo
Today · 4.125%
HK$185,031
baseline
▲ 0.50% · 4.625%
HK$196,290
+HK$11,259/mo
Deposit HK$16.36M · loan HK$38.18M · min. income ≈ HK$370,062/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$2,317,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,699
−HK$10,465/mo
▼ 0.25% · 3.875%
HK$198,894
−HK$5,270/mo
Today · 4.125%
HK$204,164
baseline
▲ 0.50% · 4.625%
HK$214,925
+HK$10,761/mo
Deposit HK$16.36M · loan HK$38.18M · min. income ≈ HK$408,328/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$2,317,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,859
−HK$14,038/mo
▼ 0.25% · 3.875%
HK$230,823
−HK$7,074/mo
Today · 4.125%
HK$237,897
baseline
▲ 0.50% · 4.625%
HK$252,373
+HK$14,476/mo
Deposit HK$5.45M · loan HK$49.09M · min. income ≈ HK$475,794/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$2,317,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,041
−HK$13,455/mo
▼ 0.25% · 3.875%
HK$255,720
−HK$6,776/mo
Today · 4.125%
HK$262,496
baseline
▲ 0.50% · 4.625%
HK$276,333
+HK$13,837/mo
Deposit HK$5.45M · loan HK$49.09M · min. income ≈ HK$524,992/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$2,317,971 · Scale 2, in force from 26 Feb 2026)