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$123,396
−HK$7,738/mo
▼ 0.25% · 3.875%
HK$127,234
−HK$3,900/mo
Today · 4.125%
HK$131,134
baseline
▲ 0.50% · 4.625%
HK$139,113
+HK$7,979/mo
Deposit HK$27.06M · loan HK$27.06M · min. income ≈ HK$262,268/mo (50% DSR)
Upfront cash ≈ HK$29.36M (deposit + AVD stamp duty HK$2,299,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,276
−HK$7,417/mo
▼ 0.25% · 3.875%
HK$140,958
−HK$3,735/mo
Today · 4.125%
HK$144,693
baseline
▲ 0.50% · 4.625%
HK$152,320
+HK$7,627/mo
Deposit HK$27.06M · loan HK$27.06M · min. income ≈ HK$289,386/mo (50% DSR)
Upfront cash ≈ HK$29.36M (deposit + AVD stamp duty HK$2,299,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,075
−HK$9,285/mo
▼ 0.25% · 3.875%
HK$152,681
−HK$4,679/mo
Today · 4.125%
HK$157,360
baseline
▲ 0.50% · 4.625%
HK$166,935
+HK$9,575/mo
Deposit HK$21.65M · loan HK$32.47M · min. income ≈ HK$314,720/mo (50% DSR)
Upfront cash ≈ HK$23.95M (deposit + AVD stamp duty HK$2,299,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,732
−HK$8,899/mo
▼ 0.25% · 3.875%
HK$169,150
−HK$4,481/mo
Today · 4.125%
HK$173,631
baseline
▲ 0.50% · 4.625%
HK$182,784
+HK$9,153/mo
Deposit HK$21.65M · loan HK$32.47M · min. income ≈ HK$347,262/mo (50% DSR)
Upfront cash ≈ HK$23.95M (deposit + AVD stamp duty HK$2,299,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,754
−HK$10,833/mo
▼ 0.25% · 3.875%
HK$178,127
−HK$5,460/mo
Today · 4.125%
HK$183,587
baseline
▲ 0.50% · 4.625%
HK$194,758
+HK$11,171/mo
Deposit HK$16.23M · loan HK$37.88M · min. income ≈ HK$367,174/mo (50% DSR)
Upfront cash ≈ HK$18.53M (deposit + AVD stamp duty HK$2,299,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,187
−HK$10,383/mo
▼ 0.25% · 3.875%
HK$197,341
−HK$5,229/mo
Today · 4.125%
HK$202,570
baseline
▲ 0.50% · 4.625%
HK$213,248
+HK$10,678/mo
Deposit HK$16.23M · loan HK$37.88M · min. income ≈ HK$405,140/mo (50% DSR)
Upfront cash ≈ HK$18.53M (deposit + AVD stamp duty HK$2,299,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,112
−HK$13,928/mo
▼ 0.25% · 3.875%
HK$229,021
−HK$7,019/mo
Today · 4.125%
HK$236,040
baseline
▲ 0.50% · 4.625%
HK$250,403
+HK$14,363/mo
Deposit HK$5.41M · loan HK$48.70M · min. income ≈ HK$472,080/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$2,299,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,097
−HK$13,350/mo
▼ 0.25% · 3.875%
HK$253,724
−HK$6,723/mo
Today · 4.125%
HK$260,447
baseline
▲ 0.50% · 4.625%
HK$274,176
+HK$13,729/mo
Deposit HK$5.41M · loan HK$48.70M · min. income ≈ HK$520,894/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$2,299,878 · Scale 2, in force from 26 Feb 2026)