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$125,548
−HK$7,873/mo
▼ 0.25% · 3.875%
HK$129,453
−HK$3,968/mo
Today · 4.125%
HK$133,421
baseline
▲ 0.50% · 4.625%
HK$141,539
+HK$8,118/mo
Deposit HK$27.53M · loan HK$27.53M · min. income ≈ HK$266,842/mo (50% DSR)
Upfront cash ≈ HK$29.87M (deposit + AVD stamp duty HK$2,339,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,671
−HK$7,546/mo
▼ 0.25% · 3.875%
HK$143,417
−HK$3,800/mo
Today · 4.125%
HK$147,217
baseline
▲ 0.50% · 4.625%
HK$154,977
+HK$7,760/mo
Deposit HK$27.53M · loan HK$27.53M · min. income ≈ HK$294,434/mo (50% DSR)
Upfront cash ≈ HK$29.87M (deposit + AVD stamp duty HK$2,339,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,657
−HK$9,448/mo
▼ 0.25% · 3.875%
HK$155,344
−HK$4,761/mo
Today · 4.125%
HK$160,105
baseline
▲ 0.50% · 4.625%
HK$169,847
+HK$9,742/mo
Deposit HK$22.02M · loan HK$33.04M · min. income ≈ HK$320,210/mo (50% DSR)
Upfront cash ≈ HK$24.36M (deposit + AVD stamp duty HK$2,339,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,605
−HK$9,055/mo
▼ 0.25% · 3.875%
HK$172,100
−HK$4,560/mo
Today · 4.125%
HK$176,660
baseline
▲ 0.50% · 4.625%
HK$185,972
+HK$9,312/mo
Deposit HK$22.02M · loan HK$33.04M · min. income ≈ HK$353,320/mo (50% DSR)
Upfront cash ≈ HK$24.36M (deposit + AVD stamp duty HK$2,339,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,767
−HK$11,022/mo
▼ 0.25% · 3.875%
HK$181,234
−HK$5,555/mo
Today · 4.125%
HK$186,789
baseline
▲ 0.50% · 4.625%
HK$198,155
+HK$11,366/mo
Deposit HK$16.52M · loan HK$38.54M · min. income ≈ HK$373,578/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$2,339,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,539
−HK$10,564/mo
▼ 0.25% · 3.875%
HK$200,783
−HK$5,320/mo
Today · 4.125%
HK$206,103
baseline
▲ 0.50% · 4.625%
HK$216,967
+HK$10,864/mo
Deposit HK$16.52M · loan HK$38.54M · min. income ≈ HK$412,206/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$2,339,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,986
−HK$14,171/mo
▼ 0.25% · 3.875%
HK$233,015
−HK$7,142/mo
Today · 4.125%
HK$240,157
baseline
▲ 0.50% · 4.625%
HK$254,770
+HK$14,613/mo
Deposit HK$5.51M · loan HK$49.55M · min. income ≈ HK$480,314/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$2,339,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,407
−HK$13,583/mo
▼ 0.25% · 3.875%
HK$258,150
−HK$6,840/mo
Today · 4.125%
HK$264,990
baseline
▲ 0.50% · 4.625%
HK$278,958
+HK$13,968/mo
Deposit HK$5.51M · loan HK$49.55M · min. income ≈ HK$529,980/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$2,339,991 · Scale 2, in force from 26 Feb 2026)