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$127,051
−HK$7,967/mo
▼ 0.25% · 3.875%
HK$131,003
−HK$4,015/mo
Today · 4.125%
HK$135,018
baseline
▲ 0.50% · 4.625%
HK$143,234
+HK$8,216/mo
Deposit HK$27.86M · loan HK$27.86M · min. income ≈ HK$270,036/mo (50% DSR)
Upfront cash ≈ HK$30.23M (deposit + AVD stamp duty HK$2,368,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,343
−HK$7,636/mo
▼ 0.25% · 3.875%
HK$145,134
−HK$3,845/mo
Today · 4.125%
HK$148,979
baseline
▲ 0.50% · 4.625%
HK$156,832
+HK$7,853/mo
Deposit HK$27.86M · loan HK$27.86M · min. income ≈ HK$297,958/mo (50% DSR)
Upfront cash ≈ HK$30.23M (deposit + AVD stamp duty HK$2,368,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,461
−HK$9,561/mo
▼ 0.25% · 3.875%
HK$157,203
−HK$4,819/mo
Today · 4.125%
HK$162,022
baseline
▲ 0.50% · 4.625%
HK$171,880
+HK$9,858/mo
Deposit HK$22.29M · loan HK$33.43M · min. income ≈ HK$324,044/mo (50% DSR)
Upfront cash ≈ HK$24.66M (deposit + AVD stamp duty HK$2,368,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,611
−HK$9,164/mo
▼ 0.25% · 3.875%
HK$174,160
−HK$4,615/mo
Today · 4.125%
HK$178,775
baseline
▲ 0.50% · 4.625%
HK$188,198
+HK$9,423/mo
Deposit HK$22.29M · loan HK$33.43M · min. income ≈ HK$357,550/mo (50% DSR)
Upfront cash ≈ HK$24.66M (deposit + AVD stamp duty HK$2,368,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,871
−HK$11,154/mo
▼ 0.25% · 3.875%
HK$183,404
−HK$5,621/mo
Today · 4.125%
HK$189,025
baseline
▲ 0.50% · 4.625%
HK$200,527
+HK$11,502/mo
Deposit HK$16.72M · loan HK$39.00M · min. income ≈ HK$378,050/mo (50% DSR)
Upfront cash ≈ HK$19.08M (deposit + AVD stamp duty HK$2,368,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,880
−HK$10,691/mo
▼ 0.25% · 3.875%
HK$203,187
−HK$5,384/mo
Today · 4.125%
HK$208,571
baseline
▲ 0.50% · 4.625%
HK$219,565
+HK$10,994/mo
Deposit HK$16.72M · loan HK$39.00M · min. income ≈ HK$417,142/mo (50% DSR)
Upfront cash ≈ HK$19.08M (deposit + AVD stamp duty HK$2,368,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,692
−HK$14,341/mo
▼ 0.25% · 3.875%
HK$235,805
−HK$7,228/mo
Today · 4.125%
HK$243,033
baseline
▲ 0.50% · 4.625%
HK$257,821
+HK$14,788/mo
Deposit HK$5.57M · loan HK$50.15M · min. income ≈ HK$486,066/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$2,368,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,417
−HK$13,746/mo
▼ 0.25% · 3.875%
HK$261,240
−HK$6,923/mo
Today · 4.125%
HK$268,163
baseline
▲ 0.50% · 4.625%
HK$282,298
+HK$14,135/mo
Deposit HK$5.57M · loan HK$50.15M · min. income ≈ HK$536,326/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$2,368,008 · Scale 2, in force from 26 Feb 2026)