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$124,623
−HK$7,815/mo
▼ 0.25% · 3.875%
HK$128,500
−HK$3,938/mo
Today · 4.125%
HK$132,438
baseline
▲ 0.50% · 4.625%
HK$140,497
+HK$8,059/mo
Deposit HK$27.33M · loan HK$27.33M · min. income ≈ HK$264,876/mo (50% DSR)
Upfront cash ≈ HK$29.65M (deposit + AVD stamp duty HK$2,322,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,642
−HK$7,490/mo
▼ 0.25% · 3.875%
HK$142,360
−HK$3,772/mo
Today · 4.125%
HK$146,132
baseline
▲ 0.50% · 4.625%
HK$153,835
+HK$7,703/mo
Deposit HK$27.33M · loan HK$27.33M · min. income ≈ HK$292,264/mo (50% DSR)
Upfront cash ≈ HK$29.65M (deposit + AVD stamp duty HK$2,322,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,548
−HK$9,378/mo
▼ 0.25% · 3.875%
HK$154,199
−HK$4,727/mo
Today · 4.125%
HK$158,926
baseline
▲ 0.50% · 4.625%
HK$168,596
+HK$9,670/mo
Deposit HK$21.86M · loan HK$32.79M · min. income ≈ HK$317,852/mo (50% DSR)
Upfront cash ≈ HK$24.18M (deposit + AVD stamp duty HK$2,322,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,370
−HK$8,989/mo
▼ 0.25% · 3.875%
HK$170,832
−HK$4,527/mo
Today · 4.125%
HK$175,359
baseline
▲ 0.50% · 4.625%
HK$184,602
+HK$9,243/mo
Deposit HK$21.86M · loan HK$32.79M · min. income ≈ HK$350,718/mo (50% DSR)
Upfront cash ≈ HK$24.18M (deposit + AVD stamp duty HK$2,322,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,472
−HK$10,941/mo
▼ 0.25% · 3.875%
HK$179,899
−HK$5,514/mo
Today · 4.125%
HK$185,413
baseline
▲ 0.50% · 4.625%
HK$196,695
+HK$11,282/mo
Deposit HK$16.40M · loan HK$38.26M · min. income ≈ HK$370,826/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$2,322,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,099
−HK$10,486/mo
▼ 0.25% · 3.875%
HK$199,304
−HK$5,281/mo
Today · 4.125%
HK$204,585
baseline
▲ 0.50% · 4.625%
HK$215,369
+HK$10,784/mo
Deposit HK$16.40M · loan HK$38.26M · min. income ≈ HK$409,170/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$2,322,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,322
−HK$14,067/mo
▼ 0.25% · 3.875%
HK$231,299
−HK$7,090/mo
Today · 4.125%
HK$238,389
baseline
▲ 0.50% · 4.625%
HK$252,894
+HK$14,505/mo
Deposit HK$5.47M · loan HK$49.19M · min. income ≈ HK$476,778/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$2,322,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,555
−HK$13,483/mo
▼ 0.25% · 3.875%
HK$256,248
−HK$6,790/mo
Today · 4.125%
HK$263,038
baseline
▲ 0.50% · 4.625%
HK$276,903
+HK$13,865/mo
Deposit HK$5.47M · loan HK$49.19M · min. income ≈ HK$526,076/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$2,322,757 · Scale 2, in force from 26 Feb 2026)