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$126,727
−HK$7,947/mo
▼ 0.25% · 3.875%
HK$130,669
−HK$4,005/mo
Today · 4.125%
HK$134,674
baseline
▲ 0.50% · 4.625%
HK$142,869
+HK$8,195/mo
Deposit HK$27.79M · loan HK$27.79M · min. income ≈ HK$269,348/mo (50% DSR)
Upfront cash ≈ HK$30.15M (deposit + AVD stamp duty HK$2,361,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,983
−HK$7,617/mo
▼ 0.25% · 3.875%
HK$144,764
−HK$3,836/mo
Today · 4.125%
HK$148,600
baseline
▲ 0.50% · 4.625%
HK$156,433
+HK$7,833/mo
Deposit HK$27.79M · loan HK$27.79M · min. income ≈ HK$297,200/mo (50% DSR)
Upfront cash ≈ HK$30.15M (deposit + AVD stamp duty HK$2,361,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,073
−HK$9,536/mo
▼ 0.25% · 3.875%
HK$156,803
−HK$4,806/mo
Today · 4.125%
HK$161,609
baseline
▲ 0.50% · 4.625%
HK$171,443
+HK$9,834/mo
Deposit HK$22.23M · loan HK$33.35M · min. income ≈ HK$323,218/mo (50% DSR)
Upfront cash ≈ HK$24.59M (deposit + AVD stamp duty HK$2,361,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,179
−HK$9,141/mo
▼ 0.25% · 3.875%
HK$173,717
−HK$4,603/mo
Today · 4.125%
HK$178,320
baseline
▲ 0.50% · 4.625%
HK$187,719
+HK$9,399/mo
Deposit HK$22.23M · loan HK$33.35M · min. income ≈ HK$356,640/mo (50% DSR)
Upfront cash ≈ HK$24.59M (deposit + AVD stamp duty HK$2,361,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,418
−HK$11,126/mo
▼ 0.25% · 3.875%
HK$182,937
−HK$5,607/mo
Today · 4.125%
HK$188,544
baseline
▲ 0.50% · 4.625%
HK$200,016
+HK$11,472/mo
Deposit HK$16.67M · loan HK$38.90M · min. income ≈ HK$377,088/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$2,361,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,376
−HK$10,664/mo
▼ 0.25% · 3.875%
HK$202,670
−HK$5,370/mo
Today · 4.125%
HK$208,040
baseline
▲ 0.50% · 4.625%
HK$219,006
+HK$10,966/mo
Deposit HK$16.67M · loan HK$38.90M · min. income ≈ HK$416,080/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$2,361,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,109
−HK$14,305/mo
▼ 0.25% · 3.875%
HK$235,205
−HK$7,209/mo
Today · 4.125%
HK$242,414
baseline
▲ 0.50% · 4.625%
HK$257,164
+HK$14,750/mo
Deposit HK$5.56M · loan HK$50.02M · min. income ≈ HK$484,828/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$2,361,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,769
−HK$13,711/mo
▼ 0.25% · 3.875%
HK$260,575
−HK$6,905/mo
Today · 4.125%
HK$267,480
baseline
▲ 0.50% · 4.625%
HK$281,579
+HK$14,099/mo
Deposit HK$5.56M · loan HK$50.02M · min. income ≈ HK$534,960/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$2,361,977 · Scale 2, in force from 26 Feb 2026)