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$123,962
−HK$7,774/mo
▼ 0.25% · 3.875%
HK$127,818
−HK$3,918/mo
Today · 4.125%
HK$131,736
baseline
▲ 0.50% · 4.625%
HK$139,752
+HK$8,016/mo
Deposit HK$27.18M · loan HK$27.18M · min. income ≈ HK$263,472/mo (50% DSR)
Upfront cash ≈ HK$29.49M (deposit + AVD stamp duty HK$2,310,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,907
−HK$7,451/mo
▼ 0.25% · 3.875%
HK$141,606
−HK$3,752/mo
Today · 4.125%
HK$145,358
baseline
▲ 0.50% · 4.625%
HK$153,020
+HK$7,662/mo
Deposit HK$27.18M · loan HK$27.18M · min. income ≈ HK$290,716/mo (50% DSR)
Upfront cash ≈ HK$29.49M (deposit + AVD stamp duty HK$2,310,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,755
−HK$9,328/mo
▼ 0.25% · 3.875%
HK$153,382
−HK$4,701/mo
Today · 4.125%
HK$158,083
baseline
▲ 0.50% · 4.625%
HK$167,702
+HK$9,619/mo
Deposit HK$21.75M · loan HK$32.62M · min. income ≈ HK$316,166/mo (50% DSR)
Upfront cash ≈ HK$24.06M (deposit + AVD stamp duty HK$2,310,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,488
−HK$8,941/mo
▼ 0.25% · 3.875%
HK$169,927
−HK$4,502/mo
Today · 4.125%
HK$174,429
baseline
▲ 0.50% · 4.625%
HK$183,624
+HK$9,195/mo
Deposit HK$21.75M · loan HK$32.62M · min. income ≈ HK$348,858/mo (50% DSR)
Upfront cash ≈ HK$24.06M (deposit + AVD stamp duty HK$2,310,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,547
−HK$10,883/mo
▼ 0.25% · 3.875%
HK$178,946
−HK$5,484/mo
Today · 4.125%
HK$184,430
baseline
▲ 0.50% · 4.625%
HK$195,653
+HK$11,223/mo
Deposit HK$16.31M · loan HK$38.05M · min. income ≈ HK$368,860/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$2,310,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,070
−HK$10,431/mo
▼ 0.25% · 3.875%
HK$198,248
−HK$5,253/mo
Today · 4.125%
HK$203,501
baseline
▲ 0.50% · 4.625%
HK$214,228
+HK$10,727/mo
Deposit HK$16.31M · loan HK$38.05M · min. income ≈ HK$407,002/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$2,310,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,132
−HK$13,993/mo
▼ 0.25% · 3.875%
HK$230,073
−HK$7,052/mo
Today · 4.125%
HK$237,125
baseline
▲ 0.50% · 4.625%
HK$251,553
+HK$14,428/mo
Deposit HK$5.44M · loan HK$48.93M · min. income ≈ HK$474,250/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$2,310,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,233
−HK$13,411/mo
▼ 0.25% · 3.875%
HK$254,890
−HK$6,754/mo
Today · 4.125%
HK$261,644
baseline
▲ 0.50% · 4.625%
HK$275,435
+HK$13,791/mo
Deposit HK$5.44M · loan HK$48.93M · min. income ≈ HK$523,288/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$2,310,444 · Scale 2, in force from 26 Feb 2026)