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$123,992
−HK$7,775/mo
▼ 0.25% · 3.875%
HK$127,849
−HK$3,918/mo
Today · 4.125%
HK$131,767
baseline
▲ 0.50% · 4.625%
HK$139,785
+HK$8,018/mo
Deposit HK$27.19M · loan HK$27.19M · min. income ≈ HK$263,534/mo (50% DSR)
Upfront cash ≈ HK$29.50M (deposit + AVD stamp duty HK$2,310,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,940
−HK$7,452/mo
▼ 0.25% · 3.875%
HK$141,639
−HK$3,753/mo
Today · 4.125%
HK$145,392
baseline
▲ 0.50% · 4.625%
HK$153,056
+HK$7,664/mo
Deposit HK$27.19M · loan HK$27.19M · min. income ≈ HK$290,784/mo (50% DSR)
Upfront cash ≈ HK$29.50M (deposit + AVD stamp duty HK$2,310,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,790
−HK$9,331/mo
▼ 0.25% · 3.875%
HK$153,419
−HK$4,702/mo
Today · 4.125%
HK$158,121
baseline
▲ 0.50% · 4.625%
HK$167,742
+HK$9,621/mo
Deposit HK$21.75M · loan HK$32.63M · min. income ≈ HK$316,242/mo (50% DSR)
Upfront cash ≈ HK$24.06M (deposit + AVD stamp duty HK$2,310,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,528
−HK$8,943/mo
▼ 0.25% · 3.875%
HK$169,967
−HK$4,504/mo
Today · 4.125%
HK$174,471
baseline
▲ 0.50% · 4.625%
HK$183,667
+HK$9,196/mo
Deposit HK$21.75M · loan HK$32.63M · min. income ≈ HK$348,942/mo (50% DSR)
Upfront cash ≈ HK$24.06M (deposit + AVD stamp duty HK$2,310,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,589
−HK$10,885/mo
▼ 0.25% · 3.875%
HK$178,988
−HK$5,486/mo
Today · 4.125%
HK$184,474
baseline
▲ 0.50% · 4.625%
HK$195,699
+HK$11,225/mo
Deposit HK$16.31M · loan HK$38.06M · min. income ≈ HK$368,948/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$2,310,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,116
−HK$10,433/mo
▼ 0.25% · 3.875%
HK$198,295
−HK$5,254/mo
Today · 4.125%
HK$203,549
baseline
▲ 0.50% · 4.625%
HK$214,279
+HK$10,730/mo
Deposit HK$16.31M · loan HK$38.06M · min. income ≈ HK$407,098/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$2,310,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,186
−HK$13,995/mo
▼ 0.25% · 3.875%
HK$230,128
−HK$7,053/mo
Today · 4.125%
HK$237,181
baseline
▲ 0.50% · 4.625%
HK$251,613
+HK$14,432/mo
Deposit HK$5.44M · loan HK$48.94M · min. income ≈ HK$474,362/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$2,310,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,292
−HK$13,414/mo
▼ 0.25% · 3.875%
HK$254,951
−HK$6,755/mo
Today · 4.125%
HK$261,706
baseline
▲ 0.50% · 4.625%
HK$275,501
+HK$13,795/mo
Deposit HK$5.44M · loan HK$48.94M · min. income ≈ HK$523,412/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$2,310,995 · Scale 2, in force from 26 Feb 2026)