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$126,485
−HK$7,932/mo
▼ 0.25% · 3.875%
HK$130,420
−HK$3,997/mo
Today · 4.125%
HK$134,417
baseline
▲ 0.50% · 4.625%
HK$142,596
+HK$8,179/mo
Deposit HK$27.73M · loan HK$27.73M · min. income ≈ HK$268,834/mo (50% DSR)
Upfront cash ≈ HK$30.09M (deposit + AVD stamp duty HK$2,357,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,714
−HK$7,602/mo
▼ 0.25% · 3.875%
HK$144,488
−HK$3,828/mo
Today · 4.125%
HK$148,316
baseline
▲ 0.50% · 4.625%
HK$156,134
+HK$7,818/mo
Deposit HK$27.73M · loan HK$27.73M · min. income ≈ HK$296,632/mo (50% DSR)
Upfront cash ≈ HK$30.09M (deposit + AVD stamp duty HK$2,357,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,783
−HK$9,518/mo
▼ 0.25% · 3.875%
HK$156,504
−HK$4,797/mo
Today · 4.125%
HK$161,301
baseline
▲ 0.50% · 4.625%
HK$171,115
+HK$9,814/mo
Deposit HK$22.19M · loan HK$33.28M · min. income ≈ HK$322,602/mo (50% DSR)
Upfront cash ≈ HK$24.55M (deposit + AVD stamp duty HK$2,357,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,857
−HK$9,122/mo
▼ 0.25% · 3.875%
HK$173,385
−HK$4,594/mo
Today · 4.125%
HK$177,979
baseline
▲ 0.50% · 4.625%
HK$187,361
+HK$9,382/mo
Deposit HK$22.19M · loan HK$33.28M · min. income ≈ HK$355,958/mo (50% DSR)
Upfront cash ≈ HK$24.55M (deposit + AVD stamp duty HK$2,357,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,080
−HK$11,104/mo
▼ 0.25% · 3.875%
HK$182,588
−HK$5,596/mo
Today · 4.125%
HK$188,184
baseline
▲ 0.50% · 4.625%
HK$199,635
+HK$11,451/mo
Deposit HK$16.64M · loan HK$38.83M · min. income ≈ HK$376,368/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$2,357,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,999
−HK$10,644/mo
▼ 0.25% · 3.875%
HK$202,283
−HK$5,360/mo
Today · 4.125%
HK$207,643
baseline
▲ 0.50% · 4.625%
HK$218,588
+HK$10,945/mo
Deposit HK$16.64M · loan HK$38.83M · min. income ≈ HK$415,286/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$2,357,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,674
−HK$14,277/mo
▼ 0.25% · 3.875%
HK$234,756
−HK$7,195/mo
Today · 4.125%
HK$241,951
baseline
▲ 0.50% · 4.625%
HK$256,673
+HK$14,722/mo
Deposit HK$5.55M · loan HK$49.92M · min. income ≈ HK$483,902/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$2,357,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,285
−HK$13,684/mo
▼ 0.25% · 3.875%
HK$260,078
−HK$6,891/mo
Today · 4.125%
HK$266,969
baseline
▲ 0.50% · 4.625%
HK$281,041
+HK$14,072/mo
Deposit HK$5.55M · loan HK$49.92M · min. income ≈ HK$533,938/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$2,357,469 · Scale 2, in force from 26 Feb 2026)