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$124,408
−HK$7,801/mo
▼ 0.25% · 3.875%
HK$128,277
−HK$3,932/mo
Today · 4.125%
HK$132,209
baseline
▲ 0.50% · 4.625%
HK$140,254
+HK$8,045/mo
Deposit HK$27.28M · loan HK$27.28M · min. income ≈ HK$264,418/mo (50% DSR)
Upfront cash ≈ HK$29.60M (deposit + AVD stamp duty HK$2,318,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,402
−HK$7,478/mo
▼ 0.25% · 3.875%
HK$142,114
−HK$3,766/mo
Today · 4.125%
HK$145,880
baseline
▲ 0.50% · 4.625%
HK$153,569
+HK$7,689/mo
Deposit HK$27.28M · loan HK$27.28M · min. income ≈ HK$291,760/mo (50% DSR)
Upfront cash ≈ HK$29.60M (deposit + AVD stamp duty HK$2,318,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,289
−HK$9,362/mo
▼ 0.25% · 3.875%
HK$153,933
−HK$4,718/mo
Today · 4.125%
HK$158,651
baseline
▲ 0.50% · 4.625%
HK$168,304
+HK$9,653/mo
Deposit HK$21.82M · loan HK$32.74M · min. income ≈ HK$317,302/mo (50% DSR)
Upfront cash ≈ HK$24.14M (deposit + AVD stamp duty HK$2,318,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,083
−HK$8,973/mo
▼ 0.25% · 3.875%
HK$170,537
−HK$4,519/mo
Today · 4.125%
HK$175,056
baseline
▲ 0.50% · 4.625%
HK$184,283
+HK$9,227/mo
Deposit HK$21.82M · loan HK$32.74M · min. income ≈ HK$350,112/mo (50% DSR)
Upfront cash ≈ HK$24.14M (deposit + AVD stamp duty HK$2,318,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,171
−HK$10,922/mo
▼ 0.25% · 3.875%
HK$179,588
−HK$5,505/mo
Today · 4.125%
HK$185,093
baseline
▲ 0.50% · 4.625%
HK$196,355
+HK$11,262/mo
Deposit HK$16.37M · loan HK$38.19M · min. income ≈ HK$370,186/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$2,318,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,763
−HK$10,469/mo
▼ 0.25% · 3.875%
HK$198,960
−HK$5,272/mo
Today · 4.125%
HK$204,232
baseline
▲ 0.50% · 4.625%
HK$214,997
+HK$10,765/mo
Deposit HK$16.37M · loan HK$38.19M · min. income ≈ HK$408,464/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$2,318,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,934
−HK$14,042/mo
▼ 0.25% · 3.875%
HK$230,899
−HK$7,077/mo
Today · 4.125%
HK$237,976
baseline
▲ 0.50% · 4.625%
HK$252,457
+HK$14,481/mo
Deposit HK$5.46M · loan HK$49.10M · min. income ≈ HK$475,952/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$2,318,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,124
−HK$13,460/mo
▼ 0.25% · 3.875%
HK$255,806
−HK$6,778/mo
Today · 4.125%
HK$262,584
baseline
▲ 0.50% · 4.625%
HK$276,425
+HK$13,841/mo
Deposit HK$5.46M · loan HK$49.10M · min. income ≈ HK$525,168/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$2,318,742 · Scale 2, in force from 26 Feb 2026)