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$125,391
−HK$7,863/mo
▼ 0.25% · 3.875%
HK$129,291
−HK$3,963/mo
Today · 4.125%
HK$133,254
baseline
▲ 0.50% · 4.625%
HK$141,362
+HK$8,108/mo
Deposit HK$27.49M · loan HK$27.49M · min. income ≈ HK$266,508/mo (50% DSR)
Upfront cash ≈ HK$29.83M (deposit + AVD stamp duty HK$2,337,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,496
−HK$7,536/mo
▼ 0.25% · 3.875%
HK$143,237
−HK$3,795/mo
Today · 4.125%
HK$147,032
baseline
▲ 0.50% · 4.625%
HK$154,783
+HK$7,751/mo
Deposit HK$27.49M · loan HK$27.49M · min. income ≈ HK$294,064/mo (50% DSR)
Upfront cash ≈ HK$29.83M (deposit + AVD stamp duty HK$2,337,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,469
−HK$9,435/mo
▼ 0.25% · 3.875%
HK$155,149
−HK$4,755/mo
Today · 4.125%
HK$159,904
baseline
▲ 0.50% · 4.625%
HK$169,634
+HK$9,730/mo
Deposit HK$22.00M · loan HK$32.99M · min. income ≈ HK$319,808/mo (50% DSR)
Upfront cash ≈ HK$24.33M (deposit + AVD stamp duty HK$2,337,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,395
−HK$9,044/mo
▼ 0.25% · 3.875%
HK$171,884
−HK$4,555/mo
Today · 4.125%
HK$176,439
baseline
▲ 0.50% · 4.625%
HK$185,739
+HK$9,300/mo
Deposit HK$22.00M · loan HK$32.99M · min. income ≈ HK$352,878/mo (50% DSR)
Upfront cash ≈ HK$24.33M (deposit + AVD stamp duty HK$2,337,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,547
−HK$11,008/mo
▼ 0.25% · 3.875%
HK$181,007
−HK$5,548/mo
Today · 4.125%
HK$186,555
baseline
▲ 0.50% · 4.625%
HK$197,907
+HK$11,352/mo
Deposit HK$16.50M · loan HK$38.49M · min. income ≈ HK$373,110/mo (50% DSR)
Upfront cash ≈ HK$18.83M (deposit + AVD stamp duty HK$2,337,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,294
−HK$10,551/mo
▼ 0.25% · 3.875%
HK$200,532
−HK$5,313/mo
Today · 4.125%
HK$205,845
baseline
▲ 0.50% · 4.625%
HK$216,696
+HK$10,851/mo
Deposit HK$16.50M · loan HK$38.49M · min. income ≈ HK$411,690/mo (50% DSR)
Upfront cash ≈ HK$18.83M (deposit + AVD stamp duty HK$2,337,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,703
−HK$14,154/mo
▼ 0.25% · 3.875%
HK$232,724
−HK$7,133/mo
Today · 4.125%
HK$239,857
baseline
▲ 0.50% · 4.625%
HK$254,451
+HK$14,594/mo
Deposit HK$5.50M · loan HK$49.49M · min. income ≈ HK$479,714/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$2,337,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,092
−HK$13,566/mo
▼ 0.25% · 3.875%
HK$257,827
−HK$6,831/mo
Today · 4.125%
HK$264,658
baseline
▲ 0.50% · 4.625%
HK$278,609
+HK$13,951/mo
Deposit HK$5.50M · loan HK$49.49M · min. income ≈ HK$529,316/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$2,337,063 · Scale 2, in force from 26 Feb 2026)