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$126,795
−HK$7,951/mo
▼ 0.25% · 3.875%
HK$130,739
−HK$4,007/mo
Today · 4.125%
HK$134,746
baseline
▲ 0.50% · 4.625%
HK$142,945
+HK$8,199/mo
Deposit HK$27.80M · loan HK$27.80M · min. income ≈ HK$269,492/mo (50% DSR)
Upfront cash ≈ HK$30.17M (deposit + AVD stamp duty HK$2,363,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,058
−HK$7,621/mo
▼ 0.25% · 3.875%
HK$144,841
−HK$3,838/mo
Today · 4.125%
HK$148,679
baseline
▲ 0.50% · 4.625%
HK$156,516
+HK$7,837/mo
Deposit HK$27.80M · loan HK$27.80M · min. income ≈ HK$297,358/mo (50% DSR)
Upfront cash ≈ HK$30.17M (deposit + AVD stamp duty HK$2,363,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,153
−HK$9,542/mo
▼ 0.25% · 3.875%
HK$156,886
−HK$4,809/mo
Today · 4.125%
HK$161,695
baseline
▲ 0.50% · 4.625%
HK$171,534
+HK$9,839/mo
Deposit HK$22.24M · loan HK$33.36M · min. income ≈ HK$323,390/mo (50% DSR)
Upfront cash ≈ HK$24.61M (deposit + AVD stamp duty HK$2,363,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,269
−HK$9,145/mo
▼ 0.25% · 3.875%
HK$173,809
−HK$4,605/mo
Today · 4.125%
HK$178,414
baseline
▲ 0.50% · 4.625%
HK$187,819
+HK$9,405/mo
Deposit HK$22.24M · loan HK$33.36M · min. income ≈ HK$356,828/mo (50% DSR)
Upfront cash ≈ HK$24.61M (deposit + AVD stamp duty HK$2,363,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,512
−HK$11,132/mo
▼ 0.25% · 3.875%
HK$183,034
−HK$5,610/mo
Today · 4.125%
HK$188,644
baseline
▲ 0.50% · 4.625%
HK$200,122
+HK$11,478/mo
Deposit HK$16.68M · loan HK$38.92M · min. income ≈ HK$377,288/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$2,363,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,481
−HK$10,669/mo
▼ 0.25% · 3.875%
HK$202,777
−HK$5,373/mo
Today · 4.125%
HK$208,150
baseline
▲ 0.50% · 4.625%
HK$219,122
+HK$10,972/mo
Deposit HK$16.68M · loan HK$38.92M · min. income ≈ HK$416,300/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$2,363,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,230
−HK$14,312/mo
▼ 0.25% · 3.875%
HK$235,329
−HK$7,213/mo
Today · 4.125%
HK$242,542
baseline
▲ 0.50% · 4.625%
HK$257,300
+HK$14,758/mo
Deposit HK$5.56M · loan HK$50.04M · min. income ≈ HK$485,084/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$2,363,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,904
−HK$13,717/mo
▼ 0.25% · 3.875%
HK$260,713
−HK$6,908/mo
Today · 4.125%
HK$267,621
baseline
▲ 0.50% · 4.625%
HK$281,728
+HK$14,107/mo
Deposit HK$5.56M · loan HK$50.04M · min. income ≈ HK$535,242/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$2,363,229 · Scale 2, in force from 26 Feb 2026)