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$124,936
−HK$7,835/mo
▼ 0.25% · 3.875%
HK$128,823
−HK$3,948/mo
Today · 4.125%
HK$132,771
baseline
▲ 0.50% · 4.625%
HK$140,850
+HK$8,079/mo
Deposit HK$27.40M · loan HK$27.40M · min. income ≈ HK$265,542/mo (50% DSR)
Upfront cash ≈ HK$29.72M (deposit + AVD stamp duty HK$2,328,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,991
−HK$7,509/mo
▼ 0.25% · 3.875%
HK$142,718
−HK$3,782/mo
Today · 4.125%
HK$146,500
baseline
▲ 0.50% · 4.625%
HK$154,222
+HK$7,722/mo
Deposit HK$27.40M · loan HK$27.40M · min. income ≈ HK$293,000/mo (50% DSR)
Upfront cash ≈ HK$29.72M (deposit + AVD stamp duty HK$2,328,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,924
−HK$9,401/mo
▼ 0.25% · 3.875%
HK$154,587
−HK$4,738/mo
Today · 4.125%
HK$159,325
baseline
▲ 0.50% · 4.625%
HK$169,020
+HK$9,695/mo
Deposit HK$21.92M · loan HK$32.87M · min. income ≈ HK$318,650/mo (50% DSR)
Upfront cash ≈ HK$24.24M (deposit + AVD stamp duty HK$2,328,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,789
−HK$9,011/mo
▼ 0.25% · 3.875%
HK$171,262
−HK$4,538/mo
Today · 4.125%
HK$175,800
baseline
▲ 0.50% · 4.625%
HK$185,066
+HK$9,266/mo
Deposit HK$21.92M · loan HK$32.87M · min. income ≈ HK$351,600/mo (50% DSR)
Upfront cash ≈ HK$24.24M (deposit + AVD stamp duty HK$2,328,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,911
−HK$10,968/mo
▼ 0.25% · 3.875%
HK$180,352
−HK$5,527/mo
Today · 4.125%
HK$185,879
baseline
▲ 0.50% · 4.625%
HK$197,190
+HK$11,311/mo
Deposit HK$16.44M · loan HK$38.35M · min. income ≈ HK$371,758/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$2,328,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,587
−HK$10,513/mo
▼ 0.25% · 3.875%
HK$199,805
−HK$5,295/mo
Today · 4.125%
HK$205,100
baseline
▲ 0.50% · 4.625%
HK$215,911
+HK$10,811/mo
Deposit HK$16.44M · loan HK$38.35M · min. income ≈ HK$410,200/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$2,328,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,886
−HK$14,102/mo
▼ 0.25% · 3.875%
HK$231,881
−HK$7,107/mo
Today · 4.125%
HK$238,988
baseline
▲ 0.50% · 4.625%
HK$253,530
+HK$14,542/mo
Deposit HK$5.48M · loan HK$49.31M · min. income ≈ HK$477,976/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$2,328,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,183
−HK$13,517/mo
▼ 0.25% · 3.875%
HK$256,893
−HK$6,807/mo
Today · 4.125%
HK$263,700
baseline
▲ 0.50% · 4.625%
HK$277,600
+HK$13,900/mo
Deposit HK$5.48M · loan HK$49.31M · min. income ≈ HK$527,400/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$2,328,597 · Scale 2, in force from 26 Feb 2026)