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$127,213
−HK$7,977/mo
▼ 0.25% · 3.875%
HK$131,170
−HK$4,020/mo
Today · 4.125%
HK$135,190
baseline
▲ 0.50% · 4.625%
HK$143,416
+HK$8,226/mo
Deposit HK$27.89M · loan HK$27.89M · min. income ≈ HK$270,380/mo (50% DSR)
Upfront cash ≈ HK$30.27M (deposit + AVD stamp duty HK$2,371,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,523
−HK$7,646/mo
▼ 0.25% · 3.875%
HK$145,319
−HK$3,850/mo
Today · 4.125%
HK$149,169
baseline
▲ 0.50% · 4.625%
HK$157,032
+HK$7,863/mo
Deposit HK$27.89M · loan HK$27.89M · min. income ≈ HK$298,338/mo (50% DSR)
Upfront cash ≈ HK$30.27M (deposit + AVD stamp duty HK$2,371,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,655
−HK$9,573/mo
▼ 0.25% · 3.875%
HK$157,404
−HK$4,824/mo
Today · 4.125%
HK$162,228
baseline
▲ 0.50% · 4.625%
HK$172,099
+HK$9,871/mo
Deposit HK$22.32M · loan HK$33.47M · min. income ≈ HK$324,456/mo (50% DSR)
Upfront cash ≈ HK$24.69M (deposit + AVD stamp duty HK$2,371,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,828
−HK$9,175/mo
▼ 0.25% · 3.875%
HK$174,382
−HK$4,621/mo
Today · 4.125%
HK$179,003
baseline
▲ 0.50% · 4.625%
HK$188,438
+HK$9,435/mo
Deposit HK$22.32M · loan HK$33.47M · min. income ≈ HK$358,006/mo (50% DSR)
Upfront cash ≈ HK$24.69M (deposit + AVD stamp duty HK$2,371,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,098
−HK$11,168/mo
▼ 0.25% · 3.875%
HK$183,638
−HK$5,628/mo
Today · 4.125%
HK$189,266
baseline
▲ 0.50% · 4.625%
HK$200,783
+HK$11,517/mo
Deposit HK$16.74M · loan HK$39.05M · min. income ≈ HK$378,532/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$2,371,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,132
−HK$10,705/mo
▼ 0.25% · 3.875%
HK$203,446
−HK$5,391/mo
Today · 4.125%
HK$208,837
baseline
▲ 0.50% · 4.625%
HK$219,845
+HK$11,008/mo
Deposit HK$16.74M · loan HK$39.05M · min. income ≈ HK$417,674/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$2,371,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,983
−HK$14,359/mo
▼ 0.25% · 3.875%
HK$236,106
−HK$7,236/mo
Today · 4.125%
HK$243,342
baseline
▲ 0.50% · 4.625%
HK$258,149
+HK$14,807/mo
Deposit HK$5.58M · loan HK$50.21M · min. income ≈ HK$486,684/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$2,371,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,741
−HK$13,763/mo
▼ 0.25% · 3.875%
HK$261,573
−HK$6,931/mo
Today · 4.125%
HK$268,504
baseline
▲ 0.50% · 4.625%
HK$282,658
+HK$14,154/mo
Deposit HK$5.58M · loan HK$50.21M · min. income ≈ HK$537,008/mo (50% DSR)
Upfront cash ≈ HK$7.95M (deposit + AVD stamp duty HK$2,371,026 · Scale 2, in force from 26 Feb 2026)