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$123,398
−HK$7,739/mo
▼ 0.25% · 3.875%
HK$127,237
−HK$3,900/mo
Today · 4.125%
HK$131,137
baseline
▲ 0.50% · 4.625%
HK$139,116
+HK$7,979/mo
Deposit HK$27.06M · loan HK$27.06M · min. income ≈ HK$262,274/mo (50% DSR)
Upfront cash ≈ HK$29.36M (deposit + AVD stamp duty HK$2,299,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,279
−HK$7,417/mo
▼ 0.25% · 3.875%
HK$140,961
−HK$3,735/mo
Today · 4.125%
HK$144,696
baseline
▲ 0.50% · 4.625%
HK$152,323
+HK$7,627/mo
Deposit HK$27.06M · loan HK$27.06M · min. income ≈ HK$289,392/mo (50% DSR)
Upfront cash ≈ HK$29.36M (deposit + AVD stamp duty HK$2,299,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,078
−HK$9,286/mo
▼ 0.25% · 3.875%
HK$152,684
−HK$4,680/mo
Today · 4.125%
HK$157,364
baseline
▲ 0.50% · 4.625%
HK$166,939
+HK$9,575/mo
Deposit HK$21.65M · loan HK$32.47M · min. income ≈ HK$314,728/mo (50% DSR)
Upfront cash ≈ HK$23.95M (deposit + AVD stamp duty HK$2,299,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,735
−HK$8,900/mo
▼ 0.25% · 3.875%
HK$169,153
−HK$4,482/mo
Today · 4.125%
HK$173,635
baseline
▲ 0.50% · 4.625%
HK$182,788
+HK$9,153/mo
Deposit HK$21.65M · loan HK$32.47M · min. income ≈ HK$347,270/mo (50% DSR)
Upfront cash ≈ HK$23.95M (deposit + AVD stamp duty HK$2,299,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,758
−HK$10,833/mo
▼ 0.25% · 3.875%
HK$178,131
−HK$5,460/mo
Today · 4.125%
HK$183,591
baseline
▲ 0.50% · 4.625%
HK$194,762
+HK$11,171/mo
Deposit HK$16.23M · loan HK$37.88M · min. income ≈ HK$367,182/mo (50% DSR)
Upfront cash ≈ HK$18.53M (deposit + AVD stamp duty HK$2,299,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,191
−HK$10,384/mo
▼ 0.25% · 3.875%
HK$197,346
−HK$5,229/mo
Today · 4.125%
HK$202,575
baseline
▲ 0.50% · 4.625%
HK$213,253
+HK$10,678/mo
Deposit HK$16.23M · loan HK$37.88M · min. income ≈ HK$405,150/mo (50% DSR)
Upfront cash ≈ HK$18.53M (deposit + AVD stamp duty HK$2,299,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,117
−HK$13,929/mo
▼ 0.25% · 3.875%
HK$229,026
−HK$7,020/mo
Today · 4.125%
HK$236,046
baseline
▲ 0.50% · 4.625%
HK$250,409
+HK$14,363/mo
Deposit HK$5.41M · loan HK$48.70M · min. income ≈ HK$472,092/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$2,299,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,103
−HK$13,350/mo
▼ 0.25% · 3.875%
HK$253,730
−HK$6,723/mo
Today · 4.125%
HK$260,453
baseline
▲ 0.50% · 4.625%
HK$274,182
+HK$13,729/mo
Deposit HK$5.41M · loan HK$48.70M · min. income ≈ HK$520,906/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$2,299,931 · Scale 2, in force from 26 Feb 2026)