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$126,544
−HK$7,935/mo
▼ 0.25% · 3.875%
HK$130,480
−HK$3,999/mo
Today · 4.125%
HK$134,479
baseline
▲ 0.50% · 4.625%
HK$142,662
+HK$8,183/mo
Deposit HK$27.75M · loan HK$27.75M · min. income ≈ HK$268,958/mo (50% DSR)
Upfront cash ≈ HK$30.11M (deposit + AVD stamp duty HK$2,358,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,779
−HK$7,606/mo
▼ 0.25% · 3.875%
HK$144,554
−HK$3,831/mo
Today · 4.125%
HK$148,385
baseline
▲ 0.50% · 4.625%
HK$156,206
+HK$7,821/mo
Deposit HK$27.75M · loan HK$27.75M · min. income ≈ HK$296,770/mo (50% DSR)
Upfront cash ≈ HK$30.11M (deposit + AVD stamp duty HK$2,358,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,853
−HK$9,522/mo
▼ 0.25% · 3.875%
HK$156,576
−HK$4,799/mo
Today · 4.125%
HK$161,375
baseline
▲ 0.50% · 4.625%
HK$171,195
+HK$9,820/mo
Deposit HK$22.20M · loan HK$33.30M · min. income ≈ HK$322,750/mo (50% DSR)
Upfront cash ≈ HK$24.56M (deposit + AVD stamp duty HK$2,358,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,935
−HK$9,127/mo
▼ 0.25% · 3.875%
HK$173,465
−HK$4,597/mo
Today · 4.125%
HK$178,062
baseline
▲ 0.50% · 4.625%
HK$187,448
+HK$9,386/mo
Deposit HK$22.20M · loan HK$33.30M · min. income ≈ HK$356,124/mo (50% DSR)
Upfront cash ≈ HK$24.56M (deposit + AVD stamp duty HK$2,358,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,162
−HK$11,109/mo
▼ 0.25% · 3.875%
HK$182,672
−HK$5,599/mo
Today · 4.125%
HK$188,271
baseline
▲ 0.50% · 4.625%
HK$199,727
+HK$11,456/mo
Deposit HK$16.65M · loan HK$38.85M · min. income ≈ HK$376,542/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$2,358,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,090
−HK$10,649/mo
▼ 0.25% · 3.875%
HK$202,376
−HK$5,363/mo
Today · 4.125%
HK$207,739
baseline
▲ 0.50% · 4.625%
HK$218,689
+HK$10,950/mo
Deposit HK$16.65M · loan HK$38.85M · min. income ≈ HK$415,478/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$2,358,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,779
−HK$14,284/mo
▼ 0.25% · 3.875%
HK$234,864
−HK$7,199/mo
Today · 4.125%
HK$242,063
baseline
▲ 0.50% · 4.625%
HK$256,792
+HK$14,729/mo
Deposit HK$5.55M · loan HK$49.95M · min. income ≈ HK$484,126/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$2,358,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,402
−HK$13,690/mo
▼ 0.25% · 3.875%
HK$260,198
−HK$6,894/mo
Today · 4.125%
HK$267,092
baseline
▲ 0.50% · 4.625%
HK$281,171
+HK$14,079/mo
Deposit HK$5.55M · loan HK$49.95M · min. income ≈ HK$534,184/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$2,358,559 · Scale 2, in force from 26 Feb 2026)