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$125,021
−HK$7,840/mo
▼ 0.25% · 3.875%
HK$128,910
−HK$3,951/mo
Today · 4.125%
HK$132,861
baseline
▲ 0.50% · 4.625%
HK$140,945
+HK$8,084/mo
Deposit HK$27.41M · loan HK$27.41M · min. income ≈ HK$265,722/mo (50% DSR)
Upfront cash ≈ HK$29.74M (deposit + AVD stamp duty HK$2,330,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,085
−HK$7,514/mo
▼ 0.25% · 3.875%
HK$142,815
−HK$3,784/mo
Today · 4.125%
HK$146,599
baseline
▲ 0.50% · 4.625%
HK$154,326
+HK$7,727/mo
Deposit HK$27.41M · loan HK$27.41M · min. income ≈ HK$293,198/mo (50% DSR)
Upfront cash ≈ HK$29.74M (deposit + AVD stamp duty HK$2,330,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,025
−HK$9,408/mo
▼ 0.25% · 3.875%
HK$154,692
−HK$4,741/mo
Today · 4.125%
HK$159,433
baseline
▲ 0.50% · 4.625%
HK$169,134
+HK$9,701/mo
Deposit HK$21.93M · loan HK$32.90M · min. income ≈ HK$318,866/mo (50% DSR)
Upfront cash ≈ HK$24.26M (deposit + AVD stamp duty HK$2,330,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,901
−HK$9,018/mo
▼ 0.25% · 3.875%
HK$171,378
−HK$4,541/mo
Today · 4.125%
HK$175,919
baseline
▲ 0.50% · 4.625%
HK$185,191
+HK$9,272/mo
Deposit HK$21.93M · loan HK$32.90M · min. income ≈ HK$351,838/mo (50% DSR)
Upfront cash ≈ HK$24.26M (deposit + AVD stamp duty HK$2,330,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,029
−HK$10,976/mo
▼ 0.25% · 3.875%
HK$180,474
−HK$5,531/mo
Today · 4.125%
HK$186,005
baseline
▲ 0.50% · 4.625%
HK$197,323
+HK$11,318/mo
Deposit HK$16.45M · loan HK$38.38M · min. income ≈ HK$372,010/mo (50% DSR)
Upfront cash ≈ HK$18.78M (deposit + AVD stamp duty HK$2,330,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,718
−HK$10,520/mo
▼ 0.25% · 3.875%
HK$199,941
−HK$5,297/mo
Today · 4.125%
HK$205,238
baseline
▲ 0.50% · 4.625%
HK$216,057
+HK$10,819/mo
Deposit HK$16.45M · loan HK$38.38M · min. income ≈ HK$410,476/mo (50% DSR)
Upfront cash ≈ HK$18.78M (deposit + AVD stamp duty HK$2,330,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,038
−HK$14,111/mo
▼ 0.25% · 3.875%
HK$232,038
−HK$7,111/mo
Today · 4.125%
HK$239,149
baseline
▲ 0.50% · 4.625%
HK$253,701
+HK$14,552/mo
Deposit HK$5.48M · loan HK$49.34M · min. income ≈ HK$478,298/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$2,330,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,352
−HK$13,526/mo
▼ 0.25% · 3.875%
HK$257,066
−HK$6,812/mo
Today · 4.125%
HK$263,878
baseline
▲ 0.50% · 4.625%
HK$277,787
+HK$13,909/mo
Deposit HK$5.48M · loan HK$49.34M · min. income ≈ HK$527,756/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$2,330,172 · Scale 2, in force from 26 Feb 2026)