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$125,752
−HK$7,886/mo
▼ 0.25% · 3.875%
HK$129,664
−HK$3,974/mo
Today · 4.125%
HK$133,638
baseline
▲ 0.50% · 4.625%
HK$141,770
+HK$8,132/mo
Deposit HK$27.57M · loan HK$27.57M · min. income ≈ HK$267,276/mo (50% DSR)
Upfront cash ≈ HK$29.92M (deposit + AVD stamp duty HK$2,343,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,898
−HK$7,559/mo
▼ 0.25% · 3.875%
HK$143,650
−HK$3,807/mo
Today · 4.125%
HK$147,457
baseline
▲ 0.50% · 4.625%
HK$155,229
+HK$7,772/mo
Deposit HK$27.57M · loan HK$27.57M · min. income ≈ HK$294,914/mo (50% DSR)
Upfront cash ≈ HK$29.92M (deposit + AVD stamp duty HK$2,343,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,903
−HK$9,463/mo
▼ 0.25% · 3.875%
HK$155,597
−HK$4,769/mo
Today · 4.125%
HK$160,366
baseline
▲ 0.50% · 4.625%
HK$170,124
+HK$9,758/mo
Deposit HK$22.06M · loan HK$33.09M · min. income ≈ HK$320,732/mo (50% DSR)
Upfront cash ≈ HK$24.40M (deposit + AVD stamp duty HK$2,343,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,878
−HK$9,070/mo
▼ 0.25% · 3.875%
HK$172,380
−HK$4,568/mo
Today · 4.125%
HK$176,948
baseline
▲ 0.50% · 4.625%
HK$186,275
+HK$9,327/mo
Deposit HK$22.06M · loan HK$33.09M · min. income ≈ HK$353,896/mo (50% DSR)
Upfront cash ≈ HK$24.40M (deposit + AVD stamp duty HK$2,343,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,053
−HK$11,040/mo
▼ 0.25% · 3.875%
HK$181,530
−HK$5,563/mo
Today · 4.125%
HK$187,093
baseline
▲ 0.50% · 4.625%
HK$198,478
+HK$11,385/mo
Deposit HK$16.54M · loan HK$38.60M · min. income ≈ HK$374,186/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$2,343,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,858
−HK$10,581/mo
▼ 0.25% · 3.875%
HK$201,110
−HK$5,329/mo
Today · 4.125%
HK$206,439
baseline
▲ 0.50% · 4.625%
HK$217,321
+HK$10,882/mo
Deposit HK$16.54M · loan HK$38.60M · min. income ≈ HK$412,878/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$2,343,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,354
−HK$14,195/mo
▼ 0.25% · 3.875%
HK$233,395
−HK$7,154/mo
Today · 4.125%
HK$240,549
baseline
▲ 0.50% · 4.625%
HK$255,185
+HK$14,636/mo
Deposit HK$5.51M · loan HK$49.63M · min. income ≈ HK$481,098/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$2,343,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,817
−HK$13,605/mo
▼ 0.25% · 3.875%
HK$258,570
−HK$6,852/mo
Today · 4.125%
HK$265,422
baseline
▲ 0.50% · 4.625%
HK$279,412
+HK$13,990/mo
Deposit HK$5.51M · loan HK$49.63M · min. income ≈ HK$530,844/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$2,343,805 · Scale 2, in force from 26 Feb 2026)