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$125,788
−HK$7,888/mo
▼ 0.25% · 3.875%
HK$129,700
−HK$3,976/mo
Today · 4.125%
HK$133,676
baseline
▲ 0.50% · 4.625%
HK$141,809
+HK$8,133/mo
Deposit HK$27.58M · loan HK$27.58M · min. income ≈ HK$267,352/mo (50% DSR)
Upfront cash ≈ HK$29.93M (deposit + AVD stamp duty HK$2,344,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,937
−HK$7,561/mo
▼ 0.25% · 3.875%
HK$143,691
−HK$3,807/mo
Today · 4.125%
HK$147,498
baseline
▲ 0.50% · 4.625%
HK$155,273
+HK$7,775/mo
Deposit HK$27.58M · loan HK$27.58M · min. income ≈ HK$294,996/mo (50% DSR)
Upfront cash ≈ HK$29.93M (deposit + AVD stamp duty HK$2,344,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,945
−HK$9,466/mo
▼ 0.25% · 3.875%
HK$155,640
−HK$4,771/mo
Today · 4.125%
HK$160,411
baseline
▲ 0.50% · 4.625%
HK$170,171
+HK$9,760/mo
Deposit HK$22.07M · loan HK$33.10M · min. income ≈ HK$320,822/mo (50% DSR)
Upfront cash ≈ HK$24.41M (deposit + AVD stamp duty HK$2,344,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,925
−HK$9,072/mo
▼ 0.25% · 3.875%
HK$172,429
−HK$4,568/mo
Today · 4.125%
HK$176,997
baseline
▲ 0.50% · 4.625%
HK$186,327
+HK$9,330/mo
Deposit HK$22.07M · loan HK$33.10M · min. income ≈ HK$353,994/mo (50% DSR)
Upfront cash ≈ HK$24.41M (deposit + AVD stamp duty HK$2,344,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,103
−HK$11,043/mo
▼ 0.25% · 3.875%
HK$181,580
−HK$5,566/mo
Today · 4.125%
HK$187,146
baseline
▲ 0.50% · 4.625%
HK$198,533
+HK$11,387/mo
Deposit HK$16.55M · loan HK$38.61M · min. income ≈ HK$374,292/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$2,344,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,912
−HK$10,585/mo
▼ 0.25% · 3.875%
HK$201,167
−HK$5,330/mo
Today · 4.125%
HK$206,497
baseline
▲ 0.50% · 4.625%
HK$217,382
+HK$10,885/mo
Deposit HK$16.55M · loan HK$38.61M · min. income ≈ HK$412,994/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$2,344,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,418
−HK$14,198/mo
▼ 0.25% · 3.875%
HK$233,461
−HK$7,155/mo
Today · 4.125%
HK$240,616
baseline
▲ 0.50% · 4.625%
HK$255,257
+HK$14,641/mo
Deposit HK$5.52M · loan HK$49.65M · min. income ≈ HK$481,232/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$2,344,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,887
−HK$13,609/mo
▼ 0.25% · 3.875%
HK$258,643
−HK$6,853/mo
Today · 4.125%
HK$265,496
baseline
▲ 0.50% · 4.625%
HK$279,491
+HK$13,995/mo
Deposit HK$5.52M · loan HK$49.65M · min. income ≈ HK$530,992/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$2,344,463 · Scale 2, in force from 26 Feb 2026)