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$123,609
−HK$7,751/mo
▼ 0.25% · 3.875%
HK$127,453
−HK$3,907/mo
Today · 4.125%
HK$131,360
baseline
▲ 0.50% · 4.625%
HK$139,353
+HK$7,993/mo
Deposit HK$27.10M · loan HK$27.10M · min. income ≈ HK$262,720/mo (50% DSR)
Upfront cash ≈ HK$29.41M (deposit + AVD stamp duty HK$2,303,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,513
−HK$7,430/mo
▼ 0.25% · 3.875%
HK$141,201
−HK$3,742/mo
Today · 4.125%
HK$144,943
baseline
▲ 0.50% · 4.625%
HK$152,583
+HK$7,640/mo
Deposit HK$27.10M · loan HK$27.10M · min. income ≈ HK$289,886/mo (50% DSR)
Upfront cash ≈ HK$29.41M (deposit + AVD stamp duty HK$2,303,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,330
−HK$9,302/mo
▼ 0.25% · 3.875%
HK$152,944
−HK$4,688/mo
Today · 4.125%
HK$157,632
baseline
▲ 0.50% · 4.625%
HK$167,223
+HK$9,591/mo
Deposit HK$21.68M · loan HK$32.52M · min. income ≈ HK$315,264/mo (50% DSR)
Upfront cash ≈ HK$23.99M (deposit + AVD stamp duty HK$2,303,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,016
−HK$8,915/mo
▼ 0.25% · 3.875%
HK$169,442
−HK$4,489/mo
Today · 4.125%
HK$173,931
baseline
▲ 0.50% · 4.625%
HK$183,099
+HK$9,168/mo
Deposit HK$21.68M · loan HK$32.52M · min. income ≈ HK$347,862/mo (50% DSR)
Upfront cash ≈ HK$23.99M (deposit + AVD stamp duty HK$2,303,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,052
−HK$10,852/mo
▼ 0.25% · 3.875%
HK$178,435
−HK$5,469/mo
Today · 4.125%
HK$183,904
baseline
▲ 0.50% · 4.625%
HK$195,094
+HK$11,190/mo
Deposit HK$16.26M · loan HK$37.95M · min. income ≈ HK$367,808/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$2,303,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,519
−HK$10,401/mo
▼ 0.25% · 3.875%
HK$197,682
−HK$5,238/mo
Today · 4.125%
HK$202,920
baseline
▲ 0.50% · 4.625%
HK$213,616
+HK$10,696/mo
Deposit HK$16.26M · loan HK$37.95M · min. income ≈ HK$405,840/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$2,303,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,495
−HK$13,953/mo
▼ 0.25% · 3.875%
HK$229,416
−HK$7,032/mo
Today · 4.125%
HK$236,448
baseline
▲ 0.50% · 4.625%
HK$250,835
+HK$14,387/mo
Deposit HK$5.42M · loan HK$48.79M · min. income ≈ HK$472,896/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$2,303,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,524
−HK$13,373/mo
▼ 0.25% · 3.875%
HK$254,162
−HK$6,735/mo
Today · 4.125%
HK$260,897
baseline
▲ 0.50% · 4.625%
HK$274,649
+HK$13,752/mo
Deposit HK$5.42M · loan HK$48.79M · min. income ≈ HK$521,794/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$2,303,847 · Scale 2, in force from 26 Feb 2026)