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$123,941
−HK$7,772/mo
▼ 0.25% · 3.875%
HK$127,796
−HK$3,917/mo
Today · 4.125%
HK$131,713
baseline
▲ 0.50% · 4.625%
HK$139,727
+HK$8,014/mo
Deposit HK$27.18M · loan HK$27.18M · min. income ≈ HK$263,426/mo (50% DSR)
Upfront cash ≈ HK$29.49M (deposit + AVD stamp duty HK$2,310,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,883
−HK$7,449/mo
▼ 0.25% · 3.875%
HK$141,581
−HK$3,751/mo
Today · 4.125%
HK$145,332
baseline
▲ 0.50% · 4.625%
HK$152,993
+HK$7,661/mo
Deposit HK$27.18M · loan HK$27.18M · min. income ≈ HK$290,664/mo (50% DSR)
Upfront cash ≈ HK$29.49M (deposit + AVD stamp duty HK$2,310,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,729
−HK$9,327/mo
▼ 0.25% · 3.875%
HK$153,355
−HK$4,701/mo
Today · 4.125%
HK$158,056
baseline
▲ 0.50% · 4.625%
HK$167,673
+HK$9,617/mo
Deposit HK$21.74M · loan HK$32.61M · min. income ≈ HK$316,112/mo (50% DSR)
Upfront cash ≈ HK$24.05M (deposit + AVD stamp duty HK$2,310,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,460
−HK$8,939/mo
▼ 0.25% · 3.875%
HK$169,897
−HK$4,502/mo
Today · 4.125%
HK$174,399
baseline
▲ 0.50% · 4.625%
HK$183,592
+HK$9,193/mo
Deposit HK$21.74M · loan HK$32.61M · min. income ≈ HK$348,798/mo (50% DSR)
Upfront cash ≈ HK$24.05M (deposit + AVD stamp duty HK$2,310,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,517
−HK$10,881/mo
▼ 0.25% · 3.875%
HK$178,915
−HK$5,483/mo
Today · 4.125%
HK$184,398
baseline
▲ 0.50% · 4.625%
HK$195,618
+HK$11,220/mo
Deposit HK$16.31M · loan HK$38.05M · min. income ≈ HK$368,796/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$2,310,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,036
−HK$10,429/mo
▼ 0.25% · 3.875%
HK$198,213
−HK$5,252/mo
Today · 4.125%
HK$203,465
baseline
▲ 0.50% · 4.625%
HK$214,190
+HK$10,725/mo
Deposit HK$16.31M · loan HK$38.05M · min. income ≈ HK$406,930/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$2,310,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,094
−HK$13,989/mo
▼ 0.25% · 3.875%
HK$230,033
−HK$7,050/mo
Today · 4.125%
HK$237,083
baseline
▲ 0.50% · 4.625%
HK$251,509
+HK$14,426/mo
Deposit HK$5.44M · loan HK$48.92M · min. income ≈ HK$474,166/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$2,310,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,189
−HK$13,409/mo
▼ 0.25% · 3.875%
HK$254,846
−HK$6,752/mo
Today · 4.125%
HK$261,598
baseline
▲ 0.50% · 4.625%
HK$275,387
+HK$13,789/mo
Deposit HK$5.44M · loan HK$48.92M · min. income ≈ HK$523,196/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$2,310,042 · Scale 2, in force from 26 Feb 2026)