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$124,761
−HK$7,823/mo
▼ 0.25% · 3.875%
HK$128,641
−HK$3,943/mo
Today · 4.125%
HK$132,584
baseline
▲ 0.50% · 4.625%
HK$140,652
+HK$8,068/mo
Deposit HK$27.36M · loan HK$27.36M · min. income ≈ HK$265,168/mo (50% DSR)
Upfront cash ≈ HK$29.68M (deposit + AVD stamp duty HK$2,325,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,795
−HK$7,498/mo
▼ 0.25% · 3.875%
HK$142,517
−HK$3,776/mo
Today · 4.125%
HK$146,293
baseline
▲ 0.50% · 4.625%
HK$154,005
+HK$7,712/mo
Deposit HK$27.36M · loan HK$27.36M · min. income ≈ HK$292,586/mo (50% DSR)
Upfront cash ≈ HK$29.68M (deposit + AVD stamp duty HK$2,325,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,713
−HK$9,388/mo
▼ 0.25% · 3.875%
HK$154,370
−HK$4,731/mo
Today · 4.125%
HK$159,101
baseline
▲ 0.50% · 4.625%
HK$168,782
+HK$9,681/mo
Deposit HK$21.89M · loan HK$32.83M · min. income ≈ HK$318,202/mo (50% DSR)
Upfront cash ≈ HK$24.21M (deposit + AVD stamp duty HK$2,325,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,554
−HK$8,998/mo
▼ 0.25% · 3.875%
HK$171,021
−HK$4,531/mo
Today · 4.125%
HK$175,552
baseline
▲ 0.50% · 4.625%
HK$184,806
+HK$9,254/mo
Deposit HK$21.89M · loan HK$32.83M · min. income ≈ HK$351,104/mo (50% DSR)
Upfront cash ≈ HK$24.21M (deposit + AVD stamp duty HK$2,325,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,665
−HK$10,953/mo
▼ 0.25% · 3.875%
HK$180,098
−HK$5,520/mo
Today · 4.125%
HK$185,618
baseline
▲ 0.50% · 4.625%
HK$196,912
+HK$11,294/mo
Deposit HK$16.41M · loan HK$38.30M · min. income ≈ HK$371,236/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$2,325,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,313
−HK$10,498/mo
▼ 0.25% · 3.875%
HK$199,524
−HK$5,287/mo
Today · 4.125%
HK$204,811
baseline
▲ 0.50% · 4.625%
HK$215,607
+HK$10,796/mo
Deposit HK$16.41M · loan HK$38.30M · min. income ≈ HK$409,622/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$2,325,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,569
−HK$14,082/mo
▼ 0.25% · 3.875%
HK$231,554
−HK$7,097/mo
Today · 4.125%
HK$238,651
baseline
▲ 0.50% · 4.625%
HK$253,173
+HK$14,522/mo
Deposit HK$5.47M · loan HK$49.24M · min. income ≈ HK$477,302/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$2,325,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,831
−HK$13,497/mo
▼ 0.25% · 3.875%
HK$256,531
−HK$6,797/mo
Today · 4.125%
HK$263,328
baseline
▲ 0.50% · 4.625%
HK$277,209
+HK$13,881/mo
Deposit HK$5.47M · loan HK$49.24M · min. income ≈ HK$526,656/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$2,325,319 · Scale 2, in force from 26 Feb 2026)