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$125,714
−HK$7,883/mo
▼ 0.25% · 3.875%
HK$129,624
−HK$3,973/mo
Today · 4.125%
HK$133,597
baseline
▲ 0.50% · 4.625%
HK$141,726
+HK$8,129/mo
Deposit HK$27.57M · loan HK$27.57M · min. income ≈ HK$267,194/mo (50% DSR)
Upfront cash ≈ HK$29.91M (deposit + AVD stamp duty HK$2,343,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,856
−HK$7,556/mo
▼ 0.25% · 3.875%
HK$143,606
−HK$3,806/mo
Today · 4.125%
HK$147,412
baseline
▲ 0.50% · 4.625%
HK$155,182
+HK$7,770/mo
Deposit HK$27.57M · loan HK$27.57M · min. income ≈ HK$294,824/mo (50% DSR)
Upfront cash ≈ HK$29.91M (deposit + AVD stamp duty HK$2,343,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,857
−HK$9,460/mo
▼ 0.25% · 3.875%
HK$155,549
−HK$4,768/mo
Today · 4.125%
HK$160,317
baseline
▲ 0.50% · 4.625%
HK$170,072
+HK$9,755/mo
Deposit HK$22.05M · loan HK$33.08M · min. income ≈ HK$320,634/mo (50% DSR)
Upfront cash ≈ HK$24.40M (deposit + AVD stamp duty HK$2,343,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,827
−HK$9,067/mo
▼ 0.25% · 3.875%
HK$172,328
−HK$4,566/mo
Today · 4.125%
HK$176,894
baseline
▲ 0.50% · 4.625%
HK$186,218
+HK$9,324/mo
Deposit HK$22.05M · loan HK$33.08M · min. income ≈ HK$353,788/mo (50% DSR)
Upfront cash ≈ HK$24.40M (deposit + AVD stamp duty HK$2,343,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,000
−HK$11,036/mo
▼ 0.25% · 3.875%
HK$181,474
−HK$5,562/mo
Today · 4.125%
HK$187,036
baseline
▲ 0.50% · 4.625%
HK$198,417
+HK$11,381/mo
Deposit HK$16.54M · loan HK$38.59M · min. income ≈ HK$374,072/mo (50% DSR)
Upfront cash ≈ HK$18.88M (deposit + AVD stamp duty HK$2,343,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,798
−HK$10,578/mo
▼ 0.25% · 3.875%
HK$201,049
−HK$5,327/mo
Today · 4.125%
HK$206,376
baseline
▲ 0.50% · 4.625%
HK$217,254
+HK$10,878/mo
Deposit HK$16.54M · loan HK$38.59M · min. income ≈ HK$412,752/mo (50% DSR)
Upfront cash ≈ HK$18.88M (deposit + AVD stamp duty HK$2,343,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,285
−HK$14,190/mo
▼ 0.25% · 3.875%
HK$233,324
−HK$7,151/mo
Today · 4.125%
HK$240,475
baseline
▲ 0.50% · 4.625%
HK$255,108
+HK$14,633/mo
Deposit HK$5.51M · loan HK$49.62M · min. income ≈ HK$480,950/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$2,343,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,740
−HK$13,601/mo
▼ 0.25% · 3.875%
HK$258,492
−HK$6,849/mo
Today · 4.125%
HK$265,341
baseline
▲ 0.50% · 4.625%
HK$279,327
+HK$13,986/mo
Deposit HK$5.51M · loan HK$49.62M · min. income ≈ HK$530,682/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$2,343,090 · Scale 2, in force from 26 Feb 2026)