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$124,660
−HK$7,818/mo
▼ 0.25% · 3.875%
HK$128,538
−HK$3,940/mo
Today · 4.125%
HK$132,478
baseline
▲ 0.50% · 4.625%
HK$140,539
+HK$8,061/mo
Deposit HK$27.33M · loan HK$27.33M · min. income ≈ HK$264,956/mo (50% DSR)
Upfront cash ≈ HK$29.66M (deposit + AVD stamp duty HK$2,323,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,683
−HK$7,493/mo
▼ 0.25% · 3.875%
HK$142,403
−HK$3,773/mo
Today · 4.125%
HK$146,176
baseline
▲ 0.50% · 4.625%
HK$153,881
+HK$7,705/mo
Deposit HK$27.33M · loan HK$27.33M · min. income ≈ HK$292,352/mo (50% DSR)
Upfront cash ≈ HK$29.66M (deposit + AVD stamp duty HK$2,323,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,592
−HK$9,381/mo
▼ 0.25% · 3.875%
HK$154,246
−HK$4,727/mo
Today · 4.125%
HK$158,973
baseline
▲ 0.50% · 4.625%
HK$168,646
+HK$9,673/mo
Deposit HK$21.87M · loan HK$32.80M · min. income ≈ HK$317,946/mo (50% DSR)
Upfront cash ≈ HK$24.19M (deposit + AVD stamp duty HK$2,323,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,420
−HK$8,991/mo
▼ 0.25% · 3.875%
HK$170,883
−HK$4,528/mo
Today · 4.125%
HK$175,411
baseline
▲ 0.50% · 4.625%
HK$184,657
+HK$9,246/mo
Deposit HK$21.87M · loan HK$32.80M · min. income ≈ HK$350,822/mo (50% DSR)
Upfront cash ≈ HK$24.19M (deposit + AVD stamp duty HK$2,323,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,525
−HK$10,944/mo
▼ 0.25% · 3.875%
HK$179,953
−HK$5,516/mo
Today · 4.125%
HK$185,469
baseline
▲ 0.50% · 4.625%
HK$196,754
+HK$11,285/mo
Deposit HK$16.40M · loan HK$38.27M · min. income ≈ HK$370,938/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$2,323,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,157
−HK$10,489/mo
▼ 0.25% · 3.875%
HK$199,364
−HK$5,282/mo
Today · 4.125%
HK$204,646
baseline
▲ 0.50% · 4.625%
HK$215,434
+HK$10,788/mo
Deposit HK$16.40M · loan HK$38.27M · min. income ≈ HK$409,292/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$2,323,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,389
−HK$14,071/mo
▼ 0.25% · 3.875%
HK$231,368
−HK$7,092/mo
Today · 4.125%
HK$238,460
baseline
▲ 0.50% · 4.625%
HK$252,969
+HK$14,509/mo
Deposit HK$5.47M · loan HK$49.20M · min. income ≈ HK$476,920/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$2,323,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,630
−HK$13,487/mo
▼ 0.25% · 3.875%
HK$256,325
−HK$6,792/mo
Today · 4.125%
HK$263,117
baseline
▲ 0.50% · 4.625%
HK$276,986
+HK$13,869/mo
Deposit HK$5.47M · loan HK$49.20M · min. income ≈ HK$526,234/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$2,323,452 · Scale 2, in force from 26 Feb 2026)