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$126,114
−HK$7,908/mo
▼ 0.25% · 3.875%
HK$130,037
−HK$3,985/mo
Today · 4.125%
HK$134,022
baseline
▲ 0.50% · 4.625%
HK$142,177
+HK$8,155/mo
Deposit HK$27.65M · loan HK$27.65M · min. income ≈ HK$268,044/mo (50% DSR)
Upfront cash ≈ HK$30.00M (deposit + AVD stamp duty HK$2,350,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,301
−HK$7,580/mo
▼ 0.25% · 3.875%
HK$144,063
−HK$3,818/mo
Today · 4.125%
HK$147,881
baseline
▲ 0.50% · 4.625%
HK$155,676
+HK$7,795/mo
Deposit HK$27.65M · loan HK$27.65M · min. income ≈ HK$295,762/mo (50% DSR)
Upfront cash ≈ HK$30.00M (deposit + AVD stamp duty HK$2,350,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,337
−HK$9,490/mo
▼ 0.25% · 3.875%
HK$156,044
−HK$4,783/mo
Today · 4.125%
HK$160,827
baseline
▲ 0.50% · 4.625%
HK$170,613
+HK$9,786/mo
Deposit HK$22.12M · loan HK$33.18M · min. income ≈ HK$321,654/mo (50% DSR)
Upfront cash ≈ HK$24.47M (deposit + AVD stamp duty HK$2,350,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,361
−HK$9,096/mo
▼ 0.25% · 3.875%
HK$172,876
−HK$4,581/mo
Today · 4.125%
HK$177,457
baseline
▲ 0.50% · 4.625%
HK$186,811
+HK$9,354/mo
Deposit HK$22.12M · loan HK$33.18M · min. income ≈ HK$354,914/mo (50% DSR)
Upfront cash ≈ HK$24.47M (deposit + AVD stamp duty HK$2,350,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,560
−HK$11,071/mo
▼ 0.25% · 3.875%
HK$182,052
−HK$5,579/mo
Today · 4.125%
HK$187,631
baseline
▲ 0.50% · 4.625%
HK$199,048
+HK$11,417/mo
Deposit HK$16.59M · loan HK$38.71M · min. income ≈ HK$375,262/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$2,350,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,421
−HK$10,612/mo
▼ 0.25% · 3.875%
HK$201,689
−HK$5,344/mo
Today · 4.125%
HK$207,033
baseline
▲ 0.50% · 4.625%
HK$217,946
+HK$10,913/mo
Deposit HK$16.59M · loan HK$38.71M · min. income ≈ HK$414,066/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$2,350,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,005
−HK$14,235/mo
▼ 0.25% · 3.875%
HK$234,066
−HK$7,174/mo
Today · 4.125%
HK$241,240
baseline
▲ 0.50% · 4.625%
HK$255,919
+HK$14,679/mo
Deposit HK$5.53M · loan HK$49.78M · min. income ≈ HK$482,480/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$2,350,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,541
−HK$13,644/mo
▼ 0.25% · 3.875%
HK$259,314
−HK$6,871/mo
Today · 4.125%
HK$266,185
baseline
▲ 0.50% · 4.625%
HK$280,216
+HK$14,031/mo
Deposit HK$5.53M · loan HK$49.78M · min. income ≈ HK$532,370/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$2,350,545 · Scale 2, in force from 26 Feb 2026)