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$123,163
−HK$7,723/mo
▼ 0.25% · 3.875%
HK$126,994
−HK$3,892/mo
Today · 4.125%
HK$130,886
baseline
▲ 0.50% · 4.625%
HK$138,851
+HK$7,965/mo
Deposit HK$27.01M · loan HK$27.01M · min. income ≈ HK$261,772/mo (50% DSR)
Upfront cash ≈ HK$29.30M (deposit + AVD stamp duty HK$2,295,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,018
−HK$7,402/mo
▼ 0.25% · 3.875%
HK$140,692
−HK$3,728/mo
Today · 4.125%
HK$144,420
baseline
▲ 0.50% · 4.625%
HK$152,033
+HK$7,613/mo
Deposit HK$27.01M · loan HK$27.01M · min. income ≈ HK$288,840/mo (50% DSR)
Upfront cash ≈ HK$29.30M (deposit + AVD stamp duty HK$2,295,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,796
−HK$9,268/mo
▼ 0.25% · 3.875%
HK$152,393
−HK$4,671/mo
Today · 4.125%
HK$157,064
baseline
▲ 0.50% · 4.625%
HK$166,621
+HK$9,557/mo
Deposit HK$21.61M · loan HK$32.41M · min. income ≈ HK$314,128/mo (50% DSR)
Upfront cash ≈ HK$23.90M (deposit + AVD stamp duty HK$2,295,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,421
−HK$8,883/mo
▼ 0.25% · 3.875%
HK$168,831
−HK$4,473/mo
Today · 4.125%
HK$173,304
baseline
▲ 0.50% · 4.625%
HK$182,439
+HK$9,135/mo
Deposit HK$21.61M · loan HK$32.41M · min. income ≈ HK$346,608/mo (50% DSR)
Upfront cash ≈ HK$23.90M (deposit + AVD stamp duty HK$2,295,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,428
−HK$10,813/mo
▼ 0.25% · 3.875%
HK$177,792
−HK$5,449/mo
Today · 4.125%
HK$183,241
baseline
▲ 0.50% · 4.625%
HK$194,391
+HK$11,150/mo
Deposit HK$16.20M · loan HK$37.81M · min. income ≈ HK$366,482/mo (50% DSR)
Upfront cash ≈ HK$18.50M (deposit + AVD stamp duty HK$2,295,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,825
−HK$10,363/mo
▼ 0.25% · 3.875%
HK$196,969
−HK$5,219/mo
Today · 4.125%
HK$202,188
baseline
▲ 0.50% · 4.625%
HK$212,846
+HK$10,658/mo
Deposit HK$16.20M · loan HK$37.81M · min. income ≈ HK$404,376/mo (50% DSR)
Upfront cash ≈ HK$18.50M (deposit + AVD stamp duty HK$2,295,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,693
−HK$13,903/mo
▼ 0.25% · 3.875%
HK$228,589
−HK$7,007/mo
Today · 4.125%
HK$235,596
baseline
▲ 0.50% · 4.625%
HK$249,931
+HK$14,335/mo
Deposit HK$5.40M · loan HK$48.61M · min. income ≈ HK$471,192/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$2,295,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,632
−HK$13,325/mo
▼ 0.25% · 3.875%
HK$253,246
−HK$6,711/mo
Today · 4.125%
HK$259,957
baseline
▲ 0.50% · 4.625%
HK$273,659
+HK$13,702/mo
Deposit HK$5.40M · loan HK$48.61M · min. income ≈ HK$519,914/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$2,295,545 · Scale 2, in force from 26 Feb 2026)