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$127,105
−HK$7,971/mo
▼ 0.25% · 3.875%
HK$131,059
−HK$4,017/mo
Today · 4.125%
HK$135,076
baseline
▲ 0.50% · 4.625%
HK$143,295
+HK$8,219/mo
Deposit HK$27.87M · loan HK$27.87M · min. income ≈ HK$270,152/mo (50% DSR)
Upfront cash ≈ HK$30.24M (deposit + AVD stamp duty HK$2,369,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,403
−HK$7,640/mo
▼ 0.25% · 3.875%
HK$145,196
−HK$3,847/mo
Today · 4.125%
HK$149,043
baseline
▲ 0.50% · 4.625%
HK$156,899
+HK$7,856/mo
Deposit HK$27.87M · loan HK$27.87M · min. income ≈ HK$298,086/mo (50% DSR)
Upfront cash ≈ HK$30.24M (deposit + AVD stamp duty HK$2,369,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,526
−HK$9,565/mo
▼ 0.25% · 3.875%
HK$157,271
−HK$4,820/mo
Today · 4.125%
HK$162,091
baseline
▲ 0.50% · 4.625%
HK$171,954
+HK$9,863/mo
Deposit HK$22.30M · loan HK$33.44M · min. income ≈ HK$324,182/mo (50% DSR)
Upfront cash ≈ HK$24.67M (deposit + AVD stamp duty HK$2,369,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,684
−HK$9,167/mo
▼ 0.25% · 3.875%
HK$174,235
−HK$4,616/mo
Today · 4.125%
HK$178,851
baseline
▲ 0.50% · 4.625%
HK$188,279
+HK$9,428/mo
Deposit HK$22.30M · loan HK$33.44M · min. income ≈ HK$357,702/mo (50% DSR)
Upfront cash ≈ HK$24.67M (deposit + AVD stamp duty HK$2,369,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,947
−HK$11,159/mo
▼ 0.25% · 3.875%
HK$183,482
−HK$5,624/mo
Today · 4.125%
HK$189,106
baseline
▲ 0.50% · 4.625%
HK$200,613
+HK$11,507/mo
Deposit HK$16.72M · loan HK$39.02M · min. income ≈ HK$378,212/mo (50% DSR)
Upfront cash ≈ HK$19.09M (deposit + AVD stamp duty HK$2,369,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,965
−HK$10,695/mo
▼ 0.25% · 3.875%
HK$203,274
−HK$5,386/mo
Today · 4.125%
HK$208,660
baseline
▲ 0.50% · 4.625%
HK$219,659
+HK$10,999/mo
Deposit HK$16.72M · loan HK$39.02M · min. income ≈ HK$417,320/mo (50% DSR)
Upfront cash ≈ HK$19.09M (deposit + AVD stamp duty HK$2,369,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,789
−HK$14,348/mo
▼ 0.25% · 3.875%
HK$235,906
−HK$7,231/mo
Today · 4.125%
HK$243,137
baseline
▲ 0.50% · 4.625%
HK$257,931
+HK$14,794/mo
Deposit HK$5.57M · loan HK$50.17M · min. income ≈ HK$486,274/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$2,369,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,526
−HK$13,751/mo
▼ 0.25% · 3.875%
HK$261,352
−HK$6,925/mo
Today · 4.125%
HK$268,277
baseline
▲ 0.50% · 4.625%
HK$282,418
+HK$14,141/mo
Deposit HK$5.57M · loan HK$50.17M · min. income ≈ HK$536,554/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$2,369,020 · Scale 2, in force from 26 Feb 2026)