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$126,494
−HK$7,932/mo
▼ 0.25% · 3.875%
HK$130,428
−HK$3,998/mo
Today · 4.125%
HK$134,426
baseline
▲ 0.50% · 4.625%
HK$142,605
+HK$8,179/mo
Deposit HK$27.74M · loan HK$27.74M · min. income ≈ HK$268,852/mo (50% DSR)
Upfront cash ≈ HK$30.09M (deposit + AVD stamp duty HK$2,357,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,723
−HK$7,603/mo
▼ 0.25% · 3.875%
HK$144,497
−HK$3,829/mo
Today · 4.125%
HK$148,326
baseline
▲ 0.50% · 4.625%
HK$156,144
+HK$7,818/mo
Deposit HK$27.74M · loan HK$27.74M · min. income ≈ HK$296,652/mo (50% DSR)
Upfront cash ≈ HK$30.09M (deposit + AVD stamp duty HK$2,357,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,792
−HK$9,519/mo
▼ 0.25% · 3.875%
HK$156,514
−HK$4,797/mo
Today · 4.125%
HK$161,311
baseline
▲ 0.50% · 4.625%
HK$171,126
+HK$9,815/mo
Deposit HK$22.19M · loan HK$33.28M · min. income ≈ HK$322,622/mo (50% DSR)
Upfront cash ≈ HK$24.55M (deposit + AVD stamp duty HK$2,357,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,867
−HK$9,124/mo
▼ 0.25% · 3.875%
HK$173,396
−HK$4,595/mo
Today · 4.125%
HK$177,991
baseline
▲ 0.50% · 4.625%
HK$187,373
+HK$9,382/mo
Deposit HK$22.19M · loan HK$33.28M · min. income ≈ HK$355,982/mo (50% DSR)
Upfront cash ≈ HK$24.55M (deposit + AVD stamp duty HK$2,357,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,091
−HK$11,105/mo
▼ 0.25% · 3.875%
HK$182,600
−HK$5,596/mo
Today · 4.125%
HK$188,196
baseline
▲ 0.50% · 4.625%
HK$199,648
+HK$11,452/mo
Deposit HK$16.64M · loan HK$38.83M · min. income ≈ HK$376,392/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$2,357,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,012
−HK$10,644/mo
▼ 0.25% · 3.875%
HK$202,296
−HK$5,360/mo
Today · 4.125%
HK$207,656
baseline
▲ 0.50% · 4.625%
HK$218,602
+HK$10,946/mo
Deposit HK$16.64M · loan HK$38.83M · min. income ≈ HK$415,312/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$2,357,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,688
−HK$14,279/mo
▼ 0.25% · 3.875%
HK$234,771
−HK$7,196/mo
Today · 4.125%
HK$241,967
baseline
▲ 0.50% · 4.625%
HK$256,690
+HK$14,723/mo
Deposit HK$5.55M · loan HK$49.93M · min. income ≈ HK$483,934/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$2,357,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,301
−HK$13,685/mo
▼ 0.25% · 3.875%
HK$260,095
−HK$6,891/mo
Today · 4.125%
HK$266,986
baseline
▲ 0.50% · 4.625%
HK$281,059
+HK$14,073/mo
Deposit HK$5.55M · loan HK$49.93M · min. income ≈ HK$533,972/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$2,357,620 · Scale 2, in force from 26 Feb 2026)