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$127,016
−HK$7,966/mo
▼ 0.25% · 3.875%
HK$130,967
−HK$4,015/mo
Today · 4.125%
HK$134,982
baseline
▲ 0.50% · 4.625%
HK$143,195
+HK$8,213/mo
Deposit HK$27.85M · loan HK$27.85M · min. income ≈ HK$269,964/mo (50% DSR)
Upfront cash ≈ HK$30.22M (deposit + AVD stamp duty HK$2,367,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,305
−HK$7,634/mo
▼ 0.25% · 3.875%
HK$145,094
−HK$3,845/mo
Today · 4.125%
HK$148,939
baseline
▲ 0.50% · 4.625%
HK$156,790
+HK$7,851/mo
Deposit HK$27.85M · loan HK$27.85M · min. income ≈ HK$297,878/mo (50% DSR)
Upfront cash ≈ HK$30.22M (deposit + AVD stamp duty HK$2,367,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,420
−HK$9,558/mo
▼ 0.25% · 3.875%
HK$157,161
−HK$4,817/mo
Today · 4.125%
HK$161,978
baseline
▲ 0.50% · 4.625%
HK$171,834
+HK$9,856/mo
Deposit HK$22.28M · loan HK$33.42M · min. income ≈ HK$323,956/mo (50% DSR)
Upfront cash ≈ HK$24.65M (deposit + AVD stamp duty HK$2,367,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,565
−HK$9,162/mo
▼ 0.25% · 3.875%
HK$174,113
−HK$4,614/mo
Today · 4.125%
HK$178,727
baseline
▲ 0.50% · 4.625%
HK$188,147
+HK$9,420/mo
Deposit HK$22.28M · loan HK$33.42M · min. income ≈ HK$357,454/mo (50% DSR)
Upfront cash ≈ HK$24.65M (deposit + AVD stamp duty HK$2,367,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,823
−HK$11,151/mo
▼ 0.25% · 3.875%
HK$183,354
−HK$5,620/mo
Today · 4.125%
HK$188,974
baseline
▲ 0.50% · 4.625%
HK$200,473
+HK$11,499/mo
Deposit HK$16.71M · loan HK$38.99M · min. income ≈ HK$377,948/mo (50% DSR)
Upfront cash ≈ HK$19.08M (deposit + AVD stamp duty HK$2,367,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,826
−HK$10,688/mo
▼ 0.25% · 3.875%
HK$203,132
−HK$5,382/mo
Today · 4.125%
HK$208,514
baseline
▲ 0.50% · 4.625%
HK$219,505
+HK$10,991/mo
Deposit HK$16.71M · loan HK$38.99M · min. income ≈ HK$417,028/mo (50% DSR)
Upfront cash ≈ HK$19.08M (deposit + AVD stamp duty HK$2,367,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,630
−HK$14,337/mo
▼ 0.25% · 3.875%
HK$235,741
−HK$7,226/mo
Today · 4.125%
HK$242,967
baseline
▲ 0.50% · 4.625%
HK$257,751
+HK$14,784/mo
Deposit HK$5.57M · loan HK$50.13M · min. income ≈ HK$485,934/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$2,367,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,348
−HK$13,742/mo
▼ 0.25% · 3.875%
HK$261,170
−HK$6,920/mo
Today · 4.125%
HK$268,090
baseline
▲ 0.50% · 4.625%
HK$282,221
+HK$14,131/mo
Deposit HK$5.57M · loan HK$50.13M · min. income ≈ HK$536,180/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$2,367,366 · Scale 2, in force from 26 Feb 2026)