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$124,702
−HK$7,820/mo
▼ 0.25% · 3.875%
HK$128,581
−HK$3,941/mo
Today · 4.125%
HK$132,522
baseline
▲ 0.50% · 4.625%
HK$140,585
+HK$8,063/mo
Deposit HK$27.34M · loan HK$27.34M · min. income ≈ HK$265,044/mo (50% DSR)
Upfront cash ≈ HK$29.67M (deposit + AVD stamp duty HK$2,324,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,730
−HK$7,495/mo
▼ 0.25% · 3.875%
HK$142,450
−HK$3,775/mo
Today · 4.125%
HK$146,225
baseline
▲ 0.50% · 4.625%
HK$153,932
+HK$7,707/mo
Deposit HK$27.34M · loan HK$27.34M · min. income ≈ HK$292,450/mo (50% DSR)
Upfront cash ≈ HK$29.67M (deposit + AVD stamp duty HK$2,324,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,642
−HK$9,384/mo
▼ 0.25% · 3.875%
HK$154,297
−HK$4,729/mo
Today · 4.125%
HK$159,026
baseline
▲ 0.50% · 4.625%
HK$168,702
+HK$9,676/mo
Deposit HK$21.88M · loan HK$32.81M · min. income ≈ HK$318,052/mo (50% DSR)
Upfront cash ≈ HK$24.20M (deposit + AVD stamp duty HK$2,324,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,475
−HK$8,995/mo
▼ 0.25% · 3.875%
HK$170,940
−HK$4,530/mo
Today · 4.125%
HK$175,470
baseline
▲ 0.50% · 4.625%
HK$184,719
+HK$9,249/mo
Deposit HK$21.88M · loan HK$32.81M · min. income ≈ HK$350,940/mo (50% DSR)
Upfront cash ≈ HK$24.20M (deposit + AVD stamp duty HK$2,324,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,583
−HK$10,947/mo
▼ 0.25% · 3.875%
HK$180,013
−HK$5,517/mo
Today · 4.125%
HK$185,530
baseline
▲ 0.50% · 4.625%
HK$196,820
+HK$11,290/mo
Deposit HK$16.41M · loan HK$38.28M · min. income ≈ HK$371,060/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$2,324,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,221
−HK$10,494/mo
▼ 0.25% · 3.875%
HK$199,430
−HK$5,285/mo
Today · 4.125%
HK$204,715
baseline
▲ 0.50% · 4.625%
HK$215,505
+HK$10,790/mo
Deposit HK$16.41M · loan HK$38.28M · min. income ≈ HK$409,430/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$2,324,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,463
−HK$14,076/mo
▼ 0.25% · 3.875%
HK$231,445
−HK$7,094/mo
Today · 4.125%
HK$238,539
baseline
▲ 0.50% · 4.625%
HK$253,054
+HK$14,515/mo
Deposit HK$5.47M · loan HK$49.22M · min. income ≈ HK$477,078/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$2,324,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,713
−HK$13,491/mo
▼ 0.25% · 3.875%
HK$256,410
−HK$6,794/mo
Today · 4.125%
HK$263,204
baseline
▲ 0.50% · 4.625%
HK$277,078
+HK$13,874/mo
Deposit HK$5.47M · loan HK$49.22M · min. income ≈ HK$526,408/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$2,324,225 · Scale 2, in force from 26 Feb 2026)