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$127,279
−HK$7,981/mo
▼ 0.25% · 3.875%
HK$131,238
−HK$4,022/mo
Today · 4.125%
HK$135,260
baseline
▲ 0.50% · 4.625%
HK$143,490
+HK$8,230/mo
Deposit HK$27.91M · loan HK$27.91M · min. income ≈ HK$270,520/mo (50% DSR)
Upfront cash ≈ HK$30.28M (deposit + AVD stamp duty HK$2,372,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,596
−HK$7,650/mo
▼ 0.25% · 3.875%
HK$145,394
−HK$3,852/mo
Today · 4.125%
HK$149,246
baseline
▲ 0.50% · 4.625%
HK$157,113
+HK$7,867/mo
Deposit HK$27.91M · loan HK$27.91M · min. income ≈ HK$298,492/mo (50% DSR)
Upfront cash ≈ HK$30.28M (deposit + AVD stamp duty HK$2,372,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,734
−HK$9,578/mo
▼ 0.25% · 3.875%
HK$157,485
−HK$4,827/mo
Today · 4.125%
HK$162,312
baseline
▲ 0.50% · 4.625%
HK$172,189
+HK$9,877/mo
Deposit HK$22.33M · loan HK$33.49M · min. income ≈ HK$324,624/mo (50% DSR)
Upfront cash ≈ HK$24.70M (deposit + AVD stamp duty HK$2,372,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,915
−HK$9,180/mo
▼ 0.25% · 3.875%
HK$174,473
−HK$4,622/mo
Today · 4.125%
HK$179,095
baseline
▲ 0.50% · 4.625%
HK$188,536
+HK$9,441/mo
Deposit HK$22.33M · loan HK$33.49M · min. income ≈ HK$358,190/mo (50% DSR)
Upfront cash ≈ HK$24.70M (deposit + AVD stamp duty HK$2,372,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,190
−HK$11,174/mo
▼ 0.25% · 3.875%
HK$183,733
−HK$5,631/mo
Today · 4.125%
HK$189,364
baseline
▲ 0.50% · 4.625%
HK$200,887
+HK$11,523/mo
Deposit HK$16.75M · loan HK$39.07M · min. income ≈ HK$378,728/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$2,372,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,235
−HK$10,710/mo
▼ 0.25% · 3.875%
HK$203,551
−HK$5,394/mo
Today · 4.125%
HK$208,945
baseline
▲ 0.50% · 4.625%
HK$219,959
+HK$11,014/mo
Deposit HK$16.75M · loan HK$39.07M · min. income ≈ HK$417,890/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$2,372,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,102
−HK$14,366/mo
▼ 0.25% · 3.875%
HK$236,228
−HK$7,240/mo
Today · 4.125%
HK$243,468
baseline
▲ 0.50% · 4.625%
HK$258,283
+HK$14,815/mo
Deposit HK$5.58M · loan HK$50.24M · min. income ≈ HK$486,936/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$2,372,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,873
−HK$13,770/mo
▼ 0.25% · 3.875%
HK$261,709
−HK$6,934/mo
Today · 4.125%
HK$268,643
baseline
▲ 0.50% · 4.625%
HK$282,804
+HK$14,161/mo
Deposit HK$5.58M · loan HK$50.24M · min. income ≈ HK$537,286/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$2,372,253 · Scale 2, in force from 26 Feb 2026)