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$127,523
−HK$7,997/mo
▼ 0.25% · 3.875%
HK$131,490
−HK$4,030/mo
Today · 4.125%
HK$135,520
baseline
▲ 0.50% · 4.625%
HK$143,766
+HK$8,246/mo
Deposit HK$27.96M · loan HK$27.96M · min. income ≈ HK$271,040/mo (50% DSR)
Upfront cash ≈ HK$30.34M (deposit + AVD stamp duty HK$2,376,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,868
−HK$7,665/mo
▼ 0.25% · 3.875%
HK$145,673
−HK$3,860/mo
Today · 4.125%
HK$149,533
baseline
▲ 0.50% · 4.625%
HK$157,415
+HK$7,882/mo
Deposit HK$27.96M · loan HK$27.96M · min. income ≈ HK$299,066/mo (50% DSR)
Upfront cash ≈ HK$30.34M (deposit + AVD stamp duty HK$2,376,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,028
−HK$9,596/mo
▼ 0.25% · 3.875%
HK$157,788
−HK$4,836/mo
Today · 4.125%
HK$162,624
baseline
▲ 0.50% · 4.625%
HK$172,519
+HK$9,895/mo
Deposit HK$22.37M · loan HK$33.55M · min. income ≈ HK$325,248/mo (50% DSR)
Upfront cash ≈ HK$24.75M (deposit + AVD stamp duty HK$2,376,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,242
−HK$9,197/mo
▼ 0.25% · 3.875%
HK$174,807
−HK$4,632/mo
Today · 4.125%
HK$179,439
baseline
▲ 0.50% · 4.625%
HK$188,898
+HK$9,459/mo
Deposit HK$22.37M · loan HK$33.55M · min. income ≈ HK$358,878/mo (50% DSR)
Upfront cash ≈ HK$24.75M (deposit + AVD stamp duty HK$2,376,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,532
−HK$11,196/mo
▼ 0.25% · 3.875%
HK$184,086
−HK$5,642/mo
Today · 4.125%
HK$189,728
baseline
▲ 0.50% · 4.625%
HK$201,272
+HK$11,544/mo
Deposit HK$16.78M · loan HK$39.15M · min. income ≈ HK$379,456/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$2,376,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,615
−HK$10,731/mo
▼ 0.25% · 3.875%
HK$203,942
−HK$5,404/mo
Today · 4.125%
HK$209,346
baseline
▲ 0.50% · 4.625%
HK$220,381
+HK$11,035/mo
Deposit HK$16.78M · loan HK$39.15M · min. income ≈ HK$418,692/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$2,376,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,541
−HK$14,395/mo
▼ 0.25% · 3.875%
HK$236,681
−HK$7,255/mo
Today · 4.125%
HK$243,936
baseline
▲ 0.50% · 4.625%
HK$258,779
+HK$14,843/mo
Deposit HK$5.59M · loan HK$50.33M · min. income ≈ HK$487,872/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$2,376,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,362
−HK$13,797/mo
▼ 0.25% · 3.875%
HK$262,211
−HK$6,948/mo
Today · 4.125%
HK$269,159
baseline
▲ 0.50% · 4.625%
HK$283,347
+HK$14,188/mo
Deposit HK$5.59M · loan HK$50.33M · min. income ≈ HK$538,318/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$2,376,806 · Scale 2, in force from 26 Feb 2026)