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$127,434
−HK$7,991/mo
▼ 0.25% · 3.875%
HK$131,398
−HK$4,027/mo
Today · 4.125%
HK$135,425
baseline
▲ 0.50% · 4.625%
HK$143,665
+HK$8,240/mo
Deposit HK$27.94M · loan HK$27.94M · min. income ≈ HK$270,850/mo (50% DSR)
Upfront cash ≈ HK$30.32M (deposit + AVD stamp duty HK$2,375,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,769
−HK$7,659/mo
▼ 0.25% · 3.875%
HK$145,571
−HK$3,857/mo
Today · 4.125%
HK$149,428
baseline
▲ 0.50% · 4.625%
HK$157,305
+HK$7,877/mo
Deposit HK$27.94M · loan HK$27.94M · min. income ≈ HK$298,856/mo (50% DSR)
Upfront cash ≈ HK$30.32M (deposit + AVD stamp duty HK$2,375,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,921
−HK$9,589/mo
▼ 0.25% · 3.875%
HK$157,677
−HK$4,833/mo
Today · 4.125%
HK$162,510
baseline
▲ 0.50% · 4.625%
HK$172,399
+HK$9,889/mo
Deposit HK$22.35M · loan HK$33.53M · min. income ≈ HK$325,020/mo (50% DSR)
Upfront cash ≈ HK$24.73M (deposit + AVD stamp duty HK$2,375,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,123
−HK$9,191/mo
▼ 0.25% · 3.875%
HK$174,685
−HK$4,629/mo
Today · 4.125%
HK$179,314
baseline
▲ 0.50% · 4.625%
HK$188,766
+HK$9,452/mo
Deposit HK$22.35M · loan HK$33.53M · min. income ≈ HK$358,628/mo (50% DSR)
Upfront cash ≈ HK$24.73M (deposit + AVD stamp duty HK$2,375,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,407
−HK$11,188/mo
▼ 0.25% · 3.875%
HK$183,957
−HK$5,638/mo
Today · 4.125%
HK$189,595
baseline
▲ 0.50% · 4.625%
HK$201,132
+HK$11,537/mo
Deposit HK$16.77M · loan HK$39.12M · min. income ≈ HK$379,190/mo (50% DSR)
Upfront cash ≈ HK$19.14M (deposit + AVD stamp duty HK$2,375,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,477
−HK$10,723/mo
▼ 0.25% · 3.875%
HK$203,800
−HK$5,400/mo
Today · 4.125%
HK$209,200
baseline
▲ 0.50% · 4.625%
HK$220,227
+HK$11,027/mo
Deposit HK$16.77M · loan HK$39.12M · min. income ≈ HK$418,400/mo (50% DSR)
Upfront cash ≈ HK$19.14M (deposit + AVD stamp duty HK$2,375,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,381
−HK$14,384/mo
▼ 0.25% · 3.875%
HK$236,516
−HK$7,249/mo
Today · 4.125%
HK$243,765
baseline
▲ 0.50% · 4.625%
HK$258,598
+HK$14,833/mo
Deposit HK$5.59M · loan HK$50.30M · min. income ≈ HK$487,530/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$2,375,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,184
−HK$13,787/mo
▼ 0.25% · 3.875%
HK$262,028
−HK$6,943/mo
Today · 4.125%
HK$268,971
baseline
▲ 0.50% · 4.625%
HK$283,149
+HK$14,178/mo
Deposit HK$5.59M · loan HK$50.30M · min. income ≈ HK$537,942/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$2,375,146 · Scale 2, in force from 26 Feb 2026)