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$123,867
−HK$7,767/mo
▼ 0.25% · 3.875%
HK$127,720
−HK$3,914/mo
Today · 4.125%
HK$131,634
baseline
▲ 0.50% · 4.625%
HK$139,644
+HK$8,010/mo
Deposit HK$27.16M · loan HK$27.16M · min. income ≈ HK$263,268/mo (50% DSR)
Upfront cash ≈ HK$29.47M (deposit + AVD stamp duty HK$2,308,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,800
−HK$7,445/mo
▼ 0.25% · 3.875%
HK$141,496
−HK$3,749/mo
Today · 4.125%
HK$145,245
baseline
▲ 0.50% · 4.625%
HK$152,901
+HK$7,656/mo
Deposit HK$27.16M · loan HK$27.16M · min. income ≈ HK$290,490/mo (50% DSR)
Upfront cash ≈ HK$29.47M (deposit + AVD stamp duty HK$2,308,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,640
−HK$9,321/mo
▼ 0.25% · 3.875%
HK$153,263
−HK$4,698/mo
Today · 4.125%
HK$157,961
baseline
▲ 0.50% · 4.625%
HK$167,572
+HK$9,611/mo
Deposit HK$21.73M · loan HK$32.59M · min. income ≈ HK$315,922/mo (50% DSR)
Upfront cash ≈ HK$24.04M (deposit + AVD stamp duty HK$2,308,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,360
−HK$8,934/mo
▼ 0.25% · 3.875%
HK$169,795
−HK$4,499/mo
Today · 4.125%
HK$174,294
baseline
▲ 0.50% · 4.625%
HK$183,482
+HK$9,188/mo
Deposit HK$21.73M · loan HK$32.59M · min. income ≈ HK$348,588/mo (50% DSR)
Upfront cash ≈ HK$24.04M (deposit + AVD stamp duty HK$2,308,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,413
−HK$10,875/mo
▼ 0.25% · 3.875%
HK$178,807
−HK$5,481/mo
Today · 4.125%
HK$184,288
baseline
▲ 0.50% · 4.625%
HK$195,501
+HK$11,213/mo
Deposit HK$16.30M · loan HK$38.02M · min. income ≈ HK$368,576/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$2,308,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,920
−HK$10,423/mo
▼ 0.25% · 3.875%
HK$198,094
−HK$5,249/mo
Today · 4.125%
HK$203,343
baseline
▲ 0.50% · 4.625%
HK$214,062
+HK$10,719/mo
Deposit HK$16.30M · loan HK$38.02M · min. income ≈ HK$406,686/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$2,308,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,960
−HK$13,981/mo
▼ 0.25% · 3.875%
HK$229,895
−HK$7,046/mo
Today · 4.125%
HK$236,941
baseline
▲ 0.50% · 4.625%
HK$251,359
+HK$14,418/mo
Deposit HK$5.43M · loan HK$48.89M · min. income ≈ HK$473,882/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$2,308,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,041
−HK$13,400/mo
▼ 0.25% · 3.875%
HK$254,693
−HK$6,748/mo
Today · 4.125%
HK$261,441
baseline
▲ 0.50% · 4.625%
HK$275,222
+HK$13,781/mo
Deposit HK$5.43M · loan HK$48.89M · min. income ≈ HK$522,882/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$2,308,657 · Scale 2, in force from 26 Feb 2026)