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$127,191
−HK$7,976/mo
▼ 0.25% · 3.875%
HK$131,147
−HK$4,020/mo
Today · 4.125%
HK$135,167
baseline
▲ 0.50% · 4.625%
HK$143,392
+HK$8,225/mo
Deposit HK$27.89M · loan HK$27.89M · min. income ≈ HK$270,334/mo (50% DSR)
Upfront cash ≈ HK$30.26M (deposit + AVD stamp duty HK$2,370,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,499
−HK$7,645/mo
▼ 0.25% · 3.875%
HK$145,294
−HK$3,850/mo
Today · 4.125%
HK$149,144
baseline
▲ 0.50% · 4.625%
HK$157,005
+HK$7,861/mo
Deposit HK$27.89M · loan HK$27.89M · min. income ≈ HK$298,288/mo (50% DSR)
Upfront cash ≈ HK$30.26M (deposit + AVD stamp duty HK$2,370,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,629
−HK$9,571/mo
▼ 0.25% · 3.875%
HK$157,377
−HK$4,823/mo
Today · 4.125%
HK$162,200
baseline
▲ 0.50% · 4.625%
HK$172,070
+HK$9,870/mo
Deposit HK$22.31M · loan HK$33.47M · min. income ≈ HK$324,400/mo (50% DSR)
Upfront cash ≈ HK$24.68M (deposit + AVD stamp duty HK$2,370,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,799
−HK$9,173/mo
▼ 0.25% · 3.875%
HK$174,352
−HK$4,620/mo
Today · 4.125%
HK$178,972
baseline
▲ 0.50% · 4.625%
HK$188,406
+HK$9,434/mo
Deposit HK$22.31M · loan HK$33.47M · min. income ≈ HK$357,944/mo (50% DSR)
Upfront cash ≈ HK$24.68M (deposit + AVD stamp duty HK$2,370,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,067
−HK$11,167/mo
▼ 0.25% · 3.875%
HK$183,606
−HK$5,628/mo
Today · 4.125%
HK$189,234
baseline
▲ 0.50% · 4.625%
HK$200,748
+HK$11,514/mo
Deposit HK$16.73M · loan HK$39.05M · min. income ≈ HK$378,468/mo (50% DSR)
Upfront cash ≈ HK$19.10M (deposit + AVD stamp duty HK$2,370,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,098
−HK$10,703/mo
▼ 0.25% · 3.875%
HK$203,411
−HK$5,390/mo
Today · 4.125%
HK$208,801
baseline
▲ 0.50% · 4.625%
HK$219,807
+HK$11,006/mo
Deposit HK$16.73M · loan HK$39.05M · min. income ≈ HK$417,602/mo (50% DSR)
Upfront cash ≈ HK$19.10M (deposit + AVD stamp duty HK$2,370,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,944
−HK$14,357/mo
▼ 0.25% · 3.875%
HK$236,065
−HK$7,236/mo
Today · 4.125%
HK$243,301
baseline
▲ 0.50% · 4.625%
HK$258,105
+HK$14,804/mo
Deposit HK$5.58M · loan HK$50.20M · min. income ≈ HK$486,602/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$2,370,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,698
−HK$13,760/mo
▼ 0.25% · 3.875%
HK$261,529
−HK$6,929/mo
Today · 4.125%
HK$268,458
baseline
▲ 0.50% · 4.625%
HK$282,609
+HK$14,151/mo
Deposit HK$5.58M · loan HK$50.20M · min. income ≈ HK$536,916/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$2,370,620 · Scale 2, in force from 26 Feb 2026)