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$124,348
−HK$7,798/mo
▼ 0.25% · 3.875%
HK$128,216
−HK$3,930/mo
Today · 4.125%
HK$132,146
baseline
▲ 0.50% · 4.625%
HK$140,187
+HK$8,041/mo
Deposit HK$27.27M · loan HK$27.27M · min. income ≈ HK$264,292/mo (50% DSR)
Upfront cash ≈ HK$29.58M (deposit + AVD stamp duty HK$2,317,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,336
−HK$7,474/mo
▼ 0.25% · 3.875%
HK$142,046
−HK$3,764/mo
Today · 4.125%
HK$145,810
baseline
▲ 0.50% · 4.625%
HK$153,496
+HK$7,686/mo
Deposit HK$27.27M · loan HK$27.27M · min. income ≈ HK$291,620/mo (50% DSR)
Upfront cash ≈ HK$29.58M (deposit + AVD stamp duty HK$2,317,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,218
−HK$9,357/mo
▼ 0.25% · 3.875%
HK$153,859
−HK$4,716/mo
Today · 4.125%
HK$158,575
baseline
▲ 0.50% · 4.625%
HK$168,224
+HK$9,649/mo
Deposit HK$21.81M · loan HK$32.72M · min. income ≈ HK$317,150/mo (50% DSR)
Upfront cash ≈ HK$24.13M (deposit + AVD stamp duty HK$2,317,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,003
−HK$8,969/mo
▼ 0.25% · 3.875%
HK$170,455
−HK$4,517/mo
Today · 4.125%
HK$174,972
baseline
▲ 0.50% · 4.625%
HK$184,195
+HK$9,223/mo
Deposit HK$21.81M · loan HK$32.72M · min. income ≈ HK$349,944/mo (50% DSR)
Upfront cash ≈ HK$24.13M (deposit + AVD stamp duty HK$2,317,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,087
−HK$10,917/mo
▼ 0.25% · 3.875%
HK$179,502
−HK$5,502/mo
Today · 4.125%
HK$185,004
baseline
▲ 0.50% · 4.625%
HK$196,261
+HK$11,257/mo
Deposit HK$16.36M · loan HK$38.17M · min. income ≈ HK$370,008/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$2,317,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,670
−HK$10,464/mo
▼ 0.25% · 3.875%
HK$198,865
−HK$5,269/mo
Today · 4.125%
HK$204,134
baseline
▲ 0.50% · 4.625%
HK$214,894
+HK$10,760/mo
Deposit HK$16.36M · loan HK$38.17M · min. income ≈ HK$408,268/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$2,317,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,827
−HK$14,035/mo
▼ 0.25% · 3.875%
HK$230,789
−HK$7,073/mo
Today · 4.125%
HK$237,862
baseline
▲ 0.50% · 4.625%
HK$252,336
+HK$14,474/mo
Deposit HK$5.45M · loan HK$49.08M · min. income ≈ HK$475,724/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$2,317,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,005
−HK$13,453/mo
▼ 0.25% · 3.875%
HK$255,683
−HK$6,775/mo
Today · 4.125%
HK$262,458
baseline
▲ 0.50% · 4.625%
HK$276,292
+HK$13,834/mo
Deposit HK$5.45M · loan HK$49.08M · min. income ≈ HK$524,916/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$2,317,632 · Scale 2, in force from 26 Feb 2026)