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$127,307
−HK$7,983/mo
▼ 0.25% · 3.875%
HK$131,267
−HK$4,023/mo
Today · 4.125%
HK$135,290
baseline
▲ 0.50% · 4.625%
HK$143,522
+HK$8,232/mo
Deposit HK$27.92M · loan HK$27.92M · min. income ≈ HK$270,580/mo (50% DSR)
Upfront cash ≈ HK$30.29M (deposit + AVD stamp duty HK$2,372,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,627
−HK$7,652/mo
▼ 0.25% · 3.875%
HK$145,426
−HK$3,853/mo
Today · 4.125%
HK$149,279
baseline
▲ 0.50% · 4.625%
HK$157,148
+HK$7,869/mo
Deposit HK$27.92M · loan HK$27.92M · min. income ≈ HK$298,558/mo (50% DSR)
Upfront cash ≈ HK$30.29M (deposit + AVD stamp duty HK$2,372,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,768
−HK$9,580/mo
▼ 0.25% · 3.875%
HK$157,520
−HK$4,828/mo
Today · 4.125%
HK$162,348
baseline
▲ 0.50% · 4.625%
HK$172,227
+HK$9,879/mo
Deposit HK$22.33M · loan HK$33.50M · min. income ≈ HK$324,696/mo (50% DSR)
Upfront cash ≈ HK$24.70M (deposit + AVD stamp duty HK$2,372,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,953
−HK$9,182/mo
▼ 0.25% · 3.875%
HK$174,511
−HK$4,624/mo
Today · 4.125%
HK$179,135
baseline
▲ 0.50% · 4.625%
HK$188,577
+HK$9,442/mo
Deposit HK$22.33M · loan HK$33.50M · min. income ≈ HK$358,270/mo (50% DSR)
Upfront cash ≈ HK$24.70M (deposit + AVD stamp duty HK$2,372,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,229
−HK$11,177/mo
▼ 0.25% · 3.875%
HK$183,773
−HK$5,633/mo
Today · 4.125%
HK$189,406
baseline
▲ 0.50% · 4.625%
HK$200,931
+HK$11,525/mo
Deposit HK$16.75M · loan HK$39.08M · min. income ≈ HK$378,812/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$2,372,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,278
−HK$10,713/mo
▼ 0.25% · 3.875%
HK$203,596
−HK$5,395/mo
Today · 4.125%
HK$208,991
baseline
▲ 0.50% · 4.625%
HK$220,007
+HK$11,016/mo
Deposit HK$16.75M · loan HK$39.08M · min. income ≈ HK$417,982/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$2,372,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,152
−HK$14,370/mo
▼ 0.25% · 3.875%
HK$236,280
−HK$7,242/mo
Today · 4.125%
HK$243,522
baseline
▲ 0.50% · 4.625%
HK$258,340
+HK$14,818/mo
Deposit HK$5.58M · loan HK$50.25M · min. income ≈ HK$487,044/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$2,372,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,929
−HK$13,774/mo
▼ 0.25% · 3.875%
HK$261,767
−HK$6,936/mo
Today · 4.125%
HK$268,703
baseline
▲ 0.50% · 4.625%
HK$282,866
+HK$14,163/mo
Deposit HK$5.58M · loan HK$50.25M · min. income ≈ HK$537,406/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$2,372,776 · Scale 2, in force from 26 Feb 2026)