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$124,082
−HK$7,781/mo
▼ 0.25% · 3.875%
HK$127,941
−HK$3,922/mo
Today · 4.125%
HK$131,863
baseline
▲ 0.50% · 4.625%
HK$139,886
+HK$8,023/mo
Deposit HK$27.21M · loan HK$27.21M · min. income ≈ HK$263,726/mo (50% DSR)
Upfront cash ≈ HK$29.52M (deposit + AVD stamp duty HK$2,312,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,039
−HK$7,458/mo
▼ 0.25% · 3.875%
HK$141,742
−HK$3,755/mo
Today · 4.125%
HK$145,497
baseline
▲ 0.50% · 4.625%
HK$153,167
+HK$7,670/mo
Deposit HK$27.21M · loan HK$27.21M · min. income ≈ HK$290,994/mo (50% DSR)
Upfront cash ≈ HK$29.52M (deposit + AVD stamp duty HK$2,312,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,898
−HK$9,337/mo
▼ 0.25% · 3.875%
HK$153,529
−HK$4,706/mo
Today · 4.125%
HK$158,235
baseline
▲ 0.50% · 4.625%
HK$167,863
+HK$9,628/mo
Deposit HK$21.77M · loan HK$32.65M · min. income ≈ HK$316,470/mo (50% DSR)
Upfront cash ≈ HK$24.08M (deposit + AVD stamp duty HK$2,312,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,647
−HK$8,950/mo
▼ 0.25% · 3.875%
HK$170,090
−HK$4,507/mo
Today · 4.125%
HK$174,597
baseline
▲ 0.50% · 4.625%
HK$183,800
+HK$9,203/mo
Deposit HK$21.77M · loan HK$32.65M · min. income ≈ HK$349,194/mo (50% DSR)
Upfront cash ≈ HK$24.08M (deposit + AVD stamp duty HK$2,312,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,714
−HK$10,894/mo
▼ 0.25% · 3.875%
HK$179,118
−HK$5,490/mo
Today · 4.125%
HK$184,608
baseline
▲ 0.50% · 4.625%
HK$195,840
+HK$11,232/mo
Deposit HK$16.32M · loan HK$38.09M · min. income ≈ HK$369,216/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$2,312,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,255
−HK$10,441/mo
▼ 0.25% · 3.875%
HK$198,438
−HK$5,258/mo
Today · 4.125%
HK$203,696
baseline
▲ 0.50% · 4.625%
HK$214,433
+HK$10,737/mo
Deposit HK$16.32M · loan HK$38.09M · min. income ≈ HK$407,392/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$2,312,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,347
−HK$14,006/mo
▼ 0.25% · 3.875%
HK$230,294
−HK$7,059/mo
Today · 4.125%
HK$237,353
baseline
▲ 0.50% · 4.625%
HK$251,795
+HK$14,442/mo
Deposit HK$5.44M · loan HK$48.97M · min. income ≈ HK$474,706/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$2,312,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,471
−HK$13,424/mo
▼ 0.25% · 3.875%
HK$255,135
−HK$6,760/mo
Today · 4.125%
HK$261,895
baseline
▲ 0.50% · 4.625%
HK$275,700
+HK$13,805/mo
Deposit HK$5.44M · loan HK$48.97M · min. income ≈ HK$523,790/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$2,312,663 · Scale 2, in force from 26 Feb 2026)