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$126,036
−HK$7,904/mo
▼ 0.25% · 3.875%
HK$129,957
−HK$3,983/mo
Today · 4.125%
HK$133,940
baseline
▲ 0.50% · 4.625%
HK$142,090
+HK$8,150/mo
Deposit HK$27.64M · loan HK$27.64M · min. income ≈ HK$267,880/mo (50% DSR)
Upfront cash ≈ HK$29.99M (deposit + AVD stamp duty HK$2,349,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,214
−HK$7,575/mo
▼ 0.25% · 3.875%
HK$143,975
−HK$3,814/mo
Today · 4.125%
HK$147,789
baseline
▲ 0.50% · 4.625%
HK$155,580
+HK$7,791/mo
Deposit HK$27.64M · loan HK$27.64M · min. income ≈ HK$295,578/mo (50% DSR)
Upfront cash ≈ HK$29.99M (deposit + AVD stamp duty HK$2,349,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,244
−HK$9,484/mo
▼ 0.25% · 3.875%
HK$155,948
−HK$4,780/mo
Today · 4.125%
HK$160,728
baseline
▲ 0.50% · 4.625%
HK$170,508
+HK$9,780/mo
Deposit HK$22.11M · loan HK$33.16M · min. income ≈ HK$321,456/mo (50% DSR)
Upfront cash ≈ HK$24.46M (deposit + AVD stamp duty HK$2,349,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,257
−HK$9,090/mo
▼ 0.25% · 3.875%
HK$172,769
−HK$4,578/mo
Today · 4.125%
HK$177,347
baseline
▲ 0.50% · 4.625%
HK$186,696
+HK$9,349/mo
Deposit HK$22.11M · loan HK$33.16M · min. income ≈ HK$354,694/mo (50% DSR)
Upfront cash ≈ HK$24.46M (deposit + AVD stamp duty HK$2,349,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,451
−HK$11,065/mo
▼ 0.25% · 3.875%
HK$181,939
−HK$5,577/mo
Today · 4.125%
HK$187,516
baseline
▲ 0.50% · 4.625%
HK$198,926
+HK$11,410/mo
Deposit HK$16.58M · loan HK$38.69M · min. income ≈ HK$375,032/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$2,349,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,300
−HK$10,605/mo
▼ 0.25% · 3.875%
HK$201,564
−HK$5,341/mo
Today · 4.125%
HK$206,905
baseline
▲ 0.50% · 4.625%
HK$217,811
+HK$10,906/mo
Deposit HK$16.58M · loan HK$38.69M · min. income ≈ HK$413,810/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$2,349,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,865
−HK$14,227/mo
▼ 0.25% · 3.875%
HK$233,922
−HK$7,170/mo
Today · 4.125%
HK$241,092
baseline
▲ 0.50% · 4.625%
HK$255,762
+HK$14,670/mo
Deposit HK$5.53M · loan HK$49.75M · min. income ≈ HK$482,184/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$2,349,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,385
−HK$13,636/mo
▼ 0.25% · 3.875%
HK$259,154
−HK$6,867/mo
Today · 4.125%
HK$266,021
baseline
▲ 0.50% · 4.625%
HK$280,043
+HK$14,022/mo
Deposit HK$5.53M · loan HK$49.75M · min. income ≈ HK$532,042/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$2,349,096 · Scale 2, in force from 26 Feb 2026)