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$126,569
−HK$7,937/mo
▼ 0.25% · 3.875%
HK$130,506
−HK$4,000/mo
Today · 4.125%
HK$134,506
baseline
▲ 0.50% · 4.625%
HK$142,690
+HK$8,184/mo
Deposit HK$27.75M · loan HK$27.75M · min. income ≈ HK$269,012/mo (50% DSR)
Upfront cash ≈ HK$30.11M (deposit + AVD stamp duty HK$2,359,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,806
−HK$7,608/mo
▼ 0.25% · 3.875%
HK$144,583
−HK$3,831/mo
Today · 4.125%
HK$148,414
baseline
▲ 0.50% · 4.625%
HK$156,237
+HK$7,823/mo
Deposit HK$27.75M · loan HK$27.75M · min. income ≈ HK$296,828/mo (50% DSR)
Upfront cash ≈ HK$30.11M (deposit + AVD stamp duty HK$2,359,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,882
−HK$9,525/mo
▼ 0.25% · 3.875%
HK$156,607
−HK$4,800/mo
Today · 4.125%
HK$161,407
baseline
▲ 0.50% · 4.625%
HK$171,228
+HK$9,821/mo
Deposit HK$22.20M · loan HK$33.30M · min. income ≈ HK$322,814/mo (50% DSR)
Upfront cash ≈ HK$24.56M (deposit + AVD stamp duty HK$2,359,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,968
−HK$9,128/mo
▼ 0.25% · 3.875%
HK$173,499
−HK$4,597/mo
Today · 4.125%
HK$178,096
baseline
▲ 0.50% · 4.625%
HK$187,484
+HK$9,388/mo
Deposit HK$22.20M · loan HK$33.30M · min. income ≈ HK$356,192/mo (50% DSR)
Upfront cash ≈ HK$24.56M (deposit + AVD stamp duty HK$2,359,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,196
−HK$11,112/mo
▼ 0.25% · 3.875%
HK$182,708
−HK$5,600/mo
Today · 4.125%
HK$188,308
baseline
▲ 0.50% · 4.625%
HK$199,766
+HK$11,458/mo
Deposit HK$16.65M · loan HK$38.85M · min. income ≈ HK$376,616/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$2,359,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,129
−HK$10,650/mo
▼ 0.25% · 3.875%
HK$202,416
−HK$5,363/mo
Today · 4.125%
HK$207,779
baseline
▲ 0.50% · 4.625%
HK$218,731
+HK$10,952/mo
Deposit HK$16.65M · loan HK$38.85M · min. income ≈ HK$415,558/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$2,359,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,824
−HK$14,286/mo
▼ 0.25% · 3.875%
HK$234,910
−HK$7,200/mo
Today · 4.125%
HK$242,110
baseline
▲ 0.50% · 4.625%
HK$256,842
+HK$14,732/mo
Deposit HK$5.55M · loan HK$49.96M · min. income ≈ HK$484,220/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$2,359,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,451
−HK$13,694/mo
▼ 0.25% · 3.875%
HK$260,249
−HK$6,896/mo
Today · 4.125%
HK$267,145
baseline
▲ 0.50% · 4.625%
HK$281,226
+HK$14,081/mo
Deposit HK$5.55M · loan HK$49.96M · min. income ≈ HK$534,290/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$2,359,019 · Scale 2, in force from 26 Feb 2026)