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$125,317
−HK$7,858/mo
▼ 0.25% · 3.875%
HK$129,215
−HK$3,960/mo
Today · 4.125%
HK$133,175
baseline
▲ 0.50% · 4.625%
HK$141,278
+HK$8,103/mo
Deposit HK$27.48M · loan HK$27.48M · min. income ≈ HK$266,350/mo (50% DSR)
Upfront cash ≈ HK$29.81M (deposit + AVD stamp duty HK$2,335,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,413
−HK$7,532/mo
▼ 0.25% · 3.875%
HK$143,152
−HK$3,793/mo
Today · 4.125%
HK$146,945
baseline
▲ 0.50% · 4.625%
HK$154,691
+HK$7,746/mo
Deposit HK$27.48M · loan HK$27.48M · min. income ≈ HK$293,890/mo (50% DSR)
Upfront cash ≈ HK$29.81M (deposit + AVD stamp duty HK$2,335,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,380
−HK$9,430/mo
▼ 0.25% · 3.875%
HK$155,057
−HK$4,753/mo
Today · 4.125%
HK$159,810
baseline
▲ 0.50% · 4.625%
HK$169,534
+HK$9,724/mo
Deposit HK$21.98M · loan HK$32.97M · min. income ≈ HK$319,620/mo (50% DSR)
Upfront cash ≈ HK$24.32M (deposit + AVD stamp duty HK$2,335,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,296
−HK$9,039/mo
▼ 0.25% · 3.875%
HK$171,783
−HK$4,552/mo
Today · 4.125%
HK$176,335
baseline
▲ 0.50% · 4.625%
HK$185,629
+HK$9,294/mo
Deposit HK$21.98M · loan HK$32.97M · min. income ≈ HK$352,670/mo (50% DSR)
Upfront cash ≈ HK$24.32M (deposit + AVD stamp duty HK$2,335,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,443
−HK$11,002/mo
▼ 0.25% · 3.875%
HK$180,900
−HK$5,545/mo
Today · 4.125%
HK$186,445
baseline
▲ 0.50% · 4.625%
HK$197,790
+HK$11,345/mo
Deposit HK$16.49M · loan HK$38.47M · min. income ≈ HK$372,890/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$2,335,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,179
−HK$10,545/mo
▼ 0.25% · 3.875%
HK$200,413
−HK$5,311/mo
Today · 4.125%
HK$205,724
baseline
▲ 0.50% · 4.625%
HK$216,568
+HK$10,844/mo
Deposit HK$16.49M · loan HK$38.47M · min. income ≈ HK$411,448/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$2,335,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,570
−HK$14,145/mo
▼ 0.25% · 3.875%
HK$232,586
−HK$7,129/mo
Today · 4.125%
HK$239,715
baseline
▲ 0.50% · 4.625%
HK$254,301
+HK$14,586/mo
Deposit HK$5.50M · loan HK$49.46M · min. income ≈ HK$479,430/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$2,335,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,944
−HK$13,558/mo
▼ 0.25% · 3.875%
HK$257,674
−HK$6,828/mo
Today · 4.125%
HK$264,502
baseline
▲ 0.50% · 4.625%
HK$278,444
+HK$13,942/mo
Deposit HK$5.50M · loan HK$49.46M · min. income ≈ HK$529,004/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$2,335,682 · Scale 2, in force from 26 Feb 2026)