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$125,971
−HK$7,900/mo
▼ 0.25% · 3.875%
HK$129,890
−HK$3,981/mo
Today · 4.125%
HK$133,871
baseline
▲ 0.50% · 4.625%
HK$142,016
+HK$8,145/mo
Deposit HK$27.62M · loan HK$27.62M · min. income ≈ HK$267,742/mo (50% DSR)
Upfront cash ≈ HK$29.97M (deposit + AVD stamp duty HK$2,347,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,142
−HK$7,571/mo
▼ 0.25% · 3.875%
HK$143,900
−HK$3,813/mo
Today · 4.125%
HK$147,713
baseline
▲ 0.50% · 4.625%
HK$155,499
+HK$7,786/mo
Deposit HK$27.62M · loan HK$27.62M · min. income ≈ HK$295,426/mo (50% DSR)
Upfront cash ≈ HK$29.97M (deposit + AVD stamp duty HK$2,347,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,165
−HK$9,480/mo
▼ 0.25% · 3.875%
HK$155,867
−HK$4,778/mo
Today · 4.125%
HK$160,645
baseline
▲ 0.50% · 4.625%
HK$170,420
+HK$9,775/mo
Deposit HK$22.10M · loan HK$33.15M · min. income ≈ HK$321,290/mo (50% DSR)
Upfront cash ≈ HK$24.45M (deposit + AVD stamp duty HK$2,347,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,170
−HK$9,086/mo
▼ 0.25% · 3.875%
HK$172,680
−HK$4,576/mo
Today · 4.125%
HK$177,256
baseline
▲ 0.50% · 4.625%
HK$186,599
+HK$9,343/mo
Deposit HK$22.10M · loan HK$33.15M · min. income ≈ HK$354,512/mo (50% DSR)
Upfront cash ≈ HK$24.45M (deposit + AVD stamp duty HK$2,347,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,360
−HK$11,059/mo
▼ 0.25% · 3.875%
HK$181,845
−HK$5,574/mo
Today · 4.125%
HK$187,419
baseline
▲ 0.50% · 4.625%
HK$198,823
+HK$11,404/mo
Deposit HK$16.57M · loan HK$38.67M · min. income ≈ HK$374,838/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$2,347,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,198
−HK$10,600/mo
▼ 0.25% · 3.875%
HK$201,460
−HK$5,338/mo
Today · 4.125%
HK$206,798
baseline
▲ 0.50% · 4.625%
HK$217,699
+HK$10,901/mo
Deposit HK$16.57M · loan HK$38.67M · min. income ≈ HK$413,596/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$2,347,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,748
−HK$14,219/mo
▼ 0.25% · 3.875%
HK$233,801
−HK$7,166/mo
Today · 4.125%
HK$240,967
baseline
▲ 0.50% · 4.625%
HK$255,629
+HK$14,662/mo
Deposit HK$5.52M · loan HK$49.72M · min. income ≈ HK$481,934/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$2,347,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,255
−HK$13,628/mo
▼ 0.25% · 3.875%
HK$259,020
−HK$6,863/mo
Today · 4.125%
HK$265,883
baseline
▲ 0.50% · 4.625%
HK$279,898
+HK$14,015/mo
Deposit HK$5.52M · loan HK$49.72M · min. income ≈ HK$531,766/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$2,347,882 · Scale 2, in force from 26 Feb 2026)