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$123,408
−HK$7,739/mo
▼ 0.25% · 3.875%
HK$127,247
−HK$3,900/mo
Today · 4.125%
HK$131,147
baseline
▲ 0.50% · 4.625%
HK$139,127
+HK$7,980/mo
Deposit HK$27.06M · loan HK$27.06M · min. income ≈ HK$262,294/mo (50% DSR)
Upfront cash ≈ HK$29.36M (deposit + AVD stamp duty HK$2,300,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,290
−HK$7,418/mo
▼ 0.25% · 3.875%
HK$140,972
−HK$3,736/mo
Today · 4.125%
HK$144,708
baseline
▲ 0.50% · 4.625%
HK$152,335
+HK$7,627/mo
Deposit HK$27.06M · loan HK$27.06M · min. income ≈ HK$289,416/mo (50% DSR)
Upfront cash ≈ HK$29.36M (deposit + AVD stamp duty HK$2,300,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,090
−HK$9,286/mo
▼ 0.25% · 3.875%
HK$152,696
−HK$4,680/mo
Today · 4.125%
HK$157,376
baseline
▲ 0.50% · 4.625%
HK$166,952
+HK$9,576/mo
Deposit HK$21.65M · loan HK$32.47M · min. income ≈ HK$314,752/mo (50% DSR)
Upfront cash ≈ HK$23.95M (deposit + AVD stamp duty HK$2,300,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,748
−HK$8,901/mo
▼ 0.25% · 3.875%
HK$169,167
−HK$4,482/mo
Today · 4.125%
HK$173,649
baseline
▲ 0.50% · 4.625%
HK$182,803
+HK$9,154/mo
Deposit HK$21.65M · loan HK$32.47M · min. income ≈ HK$347,298/mo (50% DSR)
Upfront cash ≈ HK$23.95M (deposit + AVD stamp duty HK$2,300,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,771
−HK$10,835/mo
▼ 0.25% · 3.875%
HK$178,146
−HK$5,460/mo
Today · 4.125%
HK$183,606
baseline
▲ 0.50% · 4.625%
HK$194,778
+HK$11,172/mo
Deposit HK$16.24M · loan HK$37.88M · min. income ≈ HK$367,212/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$2,300,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,207
−HK$10,384/mo
▼ 0.25% · 3.875%
HK$197,361
−HK$5,230/mo
Today · 4.125%
HK$202,591
baseline
▲ 0.50% · 4.625%
HK$213,270
+HK$10,679/mo
Deposit HK$16.24M · loan HK$37.88M · min. income ≈ HK$405,182/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$2,300,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,135
−HK$13,930/mo
▼ 0.25% · 3.875%
HK$229,044
−HK$7,021/mo
Today · 4.125%
HK$236,065
baseline
▲ 0.50% · 4.625%
HK$250,428
+HK$14,363/mo
Deposit HK$5.41M · loan HK$48.71M · min. income ≈ HK$472,130/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$2,300,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,123
−HK$13,351/mo
▼ 0.25% · 3.875%
HK$253,750
−HK$6,724/mo
Today · 4.125%
HK$260,474
baseline
▲ 0.50% · 4.625%
HK$274,204
+HK$13,730/mo
Deposit HK$5.41M · loan HK$48.71M · min. income ≈ HK$520,948/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$2,300,114 · Scale 2, in force from 26 Feb 2026)