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$123,980
−HK$7,774/mo
▼ 0.25% · 3.875%
HK$127,836
−HK$3,918/mo
Today · 4.125%
HK$131,754
baseline
▲ 0.50% · 4.625%
HK$139,771
+HK$8,017/mo
Deposit HK$27.19M · loan HK$27.19M · min. income ≈ HK$263,508/mo (50% DSR)
Upfront cash ≈ HK$29.50M (deposit + AVD stamp duty HK$2,310,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,926
−HK$7,452/mo
▼ 0.25% · 3.875%
HK$141,625
−HK$3,753/mo
Today · 4.125%
HK$145,378
baseline
▲ 0.50% · 4.625%
HK$153,041
+HK$7,663/mo
Deposit HK$27.19M · loan HK$27.19M · min. income ≈ HK$290,756/mo (50% DSR)
Upfront cash ≈ HK$29.50M (deposit + AVD stamp duty HK$2,310,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,776
−HK$9,329/mo
▼ 0.25% · 3.875%
HK$153,403
−HK$4,702/mo
Today · 4.125%
HK$158,105
baseline
▲ 0.50% · 4.625%
HK$167,726
+HK$9,621/mo
Deposit HK$21.75M · loan HK$32.62M · min. income ≈ HK$316,210/mo (50% DSR)
Upfront cash ≈ HK$24.06M (deposit + AVD stamp duty HK$2,310,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,511
−HK$8,942/mo
▼ 0.25% · 3.875%
HK$169,950
−HK$4,503/mo
Today · 4.125%
HK$174,453
baseline
▲ 0.50% · 4.625%
HK$183,649
+HK$9,196/mo
Deposit HK$21.75M · loan HK$32.62M · min. income ≈ HK$348,906/mo (50% DSR)
Upfront cash ≈ HK$24.06M (deposit + AVD stamp duty HK$2,310,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,572
−HK$10,884/mo
▼ 0.25% · 3.875%
HK$178,971
−HK$5,485/mo
Today · 4.125%
HK$184,456
baseline
▲ 0.50% · 4.625%
HK$195,680
+HK$11,224/mo
Deposit HK$16.31M · loan HK$38.06M · min. income ≈ HK$368,912/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$2,310,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,097
−HK$10,432/mo
▼ 0.25% · 3.875%
HK$198,275
−HK$5,254/mo
Today · 4.125%
HK$203,529
baseline
▲ 0.50% · 4.625%
HK$214,257
+HK$10,728/mo
Deposit HK$16.31M · loan HK$38.06M · min. income ≈ HK$407,058/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$2,310,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,163
−HK$13,995/mo
▼ 0.25% · 3.875%
HK$230,105
−HK$7,053/mo
Today · 4.125%
HK$237,158
baseline
▲ 0.50% · 4.625%
HK$251,588
+HK$14,430/mo
Deposit HK$5.44M · loan HK$48.93M · min. income ≈ HK$474,316/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$2,310,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,267
−HK$13,413/mo
▼ 0.25% · 3.875%
HK$254,925
−HK$6,755/mo
Today · 4.125%
HK$261,680
baseline
▲ 0.50% · 4.625%
HK$275,474
+HK$13,794/mo
Deposit HK$5.44M · loan HK$48.93M · min. income ≈ HK$523,360/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$2,310,766 · Scale 2, in force from 26 Feb 2026)