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$123,858
−HK$7,767/mo
▼ 0.25% · 3.875%
HK$127,710
−HK$3,915/mo
Today · 4.125%
HK$131,625
baseline
▲ 0.50% · 4.625%
HK$139,634
+HK$8,009/mo
Deposit HK$27.16M · loan HK$27.16M · min. income ≈ HK$263,250/mo (50% DSR)
Upfront cash ≈ HK$29.47M (deposit + AVD stamp duty HK$2,308,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,790
−HK$7,445/mo
▼ 0.25% · 3.875%
HK$141,486
−HK$3,749/mo
Today · 4.125%
HK$145,235
baseline
▲ 0.50% · 4.625%
HK$152,890
+HK$7,655/mo
Deposit HK$27.16M · loan HK$27.16M · min. income ≈ HK$290,470/mo (50% DSR)
Upfront cash ≈ HK$29.47M (deposit + AVD stamp duty HK$2,308,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,629
−HK$9,321/mo
▼ 0.25% · 3.875%
HK$153,253
−HK$4,697/mo
Today · 4.125%
HK$157,950
baseline
▲ 0.50% · 4.625%
HK$167,561
+HK$9,611/mo
Deposit HK$21.73M · loan HK$32.59M · min. income ≈ HK$315,900/mo (50% DSR)
Upfront cash ≈ HK$24.04M (deposit + AVD stamp duty HK$2,308,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,349
−HK$8,933/mo
▼ 0.25% · 3.875%
HK$169,783
−HK$4,499/mo
Today · 4.125%
HK$174,282
baseline
▲ 0.50% · 4.625%
HK$183,469
+HK$9,187/mo
Deposit HK$21.73M · loan HK$32.59M · min. income ≈ HK$348,564/mo (50% DSR)
Upfront cash ≈ HK$24.04M (deposit + AVD stamp duty HK$2,308,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,401
−HK$10,874/mo
▼ 0.25% · 3.875%
HK$178,795
−HK$5,480/mo
Today · 4.125%
HK$184,275
baseline
▲ 0.50% · 4.625%
HK$195,487
+HK$11,212/mo
Deposit HK$16.30M · loan HK$38.02M · min. income ≈ HK$368,550/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$2,308,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,907
−HK$10,422/mo
▼ 0.25% · 3.875%
HK$198,080
−HK$5,249/mo
Today · 4.125%
HK$203,329
baseline
▲ 0.50% · 4.625%
HK$214,047
+HK$10,718/mo
Deposit HK$16.30M · loan HK$38.02M · min. income ≈ HK$406,658/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$2,308,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,944
−HK$13,980/mo
▼ 0.25% · 3.875%
HK$229,879
−HK$7,045/mo
Today · 4.125%
HK$236,924
baseline
▲ 0.50% · 4.625%
HK$251,341
+HK$14,417/mo
Deposit HK$5.43M · loan HK$48.89M · min. income ≈ HK$473,848/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$2,308,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,023
−HK$13,400/mo
▼ 0.25% · 3.875%
HK$254,675
−HK$6,748/mo
Today · 4.125%
HK$261,423
baseline
▲ 0.50% · 4.625%
HK$275,203
+HK$13,780/mo
Deposit HK$5.43M · loan HK$48.89M · min. income ≈ HK$522,846/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$2,308,493 · Scale 2, in force from 26 Feb 2026)