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$125,729
−HK$7,884/mo
▼ 0.25% · 3.875%
HK$129,640
−HK$3,973/mo
Today · 4.125%
HK$133,613
baseline
▲ 0.50% · 4.625%
HK$141,743
+HK$8,130/mo
Deposit HK$27.57M · loan HK$27.57M · min. income ≈ HK$267,226/mo (50% DSR)
Upfront cash ≈ HK$29.91M (deposit + AVD stamp duty HK$2,343,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,872
−HK$7,557/mo
▼ 0.25% · 3.875%
HK$143,623
−HK$3,806/mo
Today · 4.125%
HK$147,429
baseline
▲ 0.50% · 4.625%
HK$155,200
+HK$7,771/mo
Deposit HK$27.57M · loan HK$27.57M · min. income ≈ HK$294,858/mo (50% DSR)
Upfront cash ≈ HK$29.91M (deposit + AVD stamp duty HK$2,343,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,875
−HK$9,461/mo
▼ 0.25% · 3.875%
HK$155,568
−HK$4,768/mo
Today · 4.125%
HK$160,336
baseline
▲ 0.50% · 4.625%
HK$170,092
+HK$9,756/mo
Deposit HK$22.06M · loan HK$33.08M · min. income ≈ HK$320,672/mo (50% DSR)
Upfront cash ≈ HK$24.40M (deposit + AVD stamp duty HK$2,343,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,846
−HK$9,069/mo
▼ 0.25% · 3.875%
HK$172,348
−HK$4,567/mo
Today · 4.125%
HK$176,915
baseline
▲ 0.50% · 4.625%
HK$186,240
+HK$9,325/mo
Deposit HK$22.06M · loan HK$33.08M · min. income ≈ HK$353,830/mo (50% DSR)
Upfront cash ≈ HK$24.40M (deposit + AVD stamp duty HK$2,343,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,020
−HK$11,038/mo
▼ 0.25% · 3.875%
HK$181,496
−HK$5,562/mo
Today · 4.125%
HK$187,058
baseline
▲ 0.50% · 4.625%
HK$198,440
+HK$11,382/mo
Deposit HK$16.54M · loan HK$38.60M · min. income ≈ HK$374,116/mo (50% DSR)
Upfront cash ≈ HK$18.88M (deposit + AVD stamp duty HK$2,343,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,821
−HK$10,579/mo
▼ 0.25% · 3.875%
HK$201,073
−HK$5,327/mo
Today · 4.125%
HK$206,400
baseline
▲ 0.50% · 4.625%
HK$217,280
+HK$10,880/mo
Deposit HK$16.54M · loan HK$38.60M · min. income ≈ HK$412,800/mo (50% DSR)
Upfront cash ≈ HK$18.88M (deposit + AVD stamp duty HK$2,343,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,312
−HK$14,192/mo
▼ 0.25% · 3.875%
HK$233,351
−HK$7,153/mo
Today · 4.125%
HK$240,504
baseline
▲ 0.50% · 4.625%
HK$255,138
+HK$14,634/mo
Deposit HK$5.51M · loan HK$49.62M · min. income ≈ HK$481,008/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$2,343,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,770
−HK$13,602/mo
▼ 0.25% · 3.875%
HK$258,522
−HK$6,850/mo
Today · 4.125%
HK$265,372
baseline
▲ 0.50% · 4.625%
HK$279,360
+HK$13,988/mo
Deposit HK$5.51M · loan HK$49.62M · min. income ≈ HK$530,744/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$2,343,365 · Scale 2, in force from 26 Feb 2026)