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$126,502
−HK$7,932/mo
▼ 0.25% · 3.875%
HK$130,437
−HK$3,997/mo
Today · 4.125%
HK$134,434
baseline
▲ 0.50% · 4.625%
HK$142,614
+HK$8,180/mo
Deposit HK$27.74M · loan HK$27.74M · min. income ≈ HK$268,868/mo (50% DSR)
Upfront cash ≈ HK$30.10M (deposit + AVD stamp duty HK$2,357,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,732
−HK$7,603/mo
▼ 0.25% · 3.875%
HK$144,506
−HK$3,829/mo
Today · 4.125%
HK$148,335
baseline
▲ 0.50% · 4.625%
HK$156,154
+HK$7,819/mo
Deposit HK$27.74M · loan HK$27.74M · min. income ≈ HK$296,670/mo (50% DSR)
Upfront cash ≈ HK$30.10M (deposit + AVD stamp duty HK$2,357,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,802
−HK$9,519/mo
▼ 0.25% · 3.875%
HK$156,524
−HK$4,797/mo
Today · 4.125%
HK$161,321
baseline
▲ 0.50% · 4.625%
HK$171,137
+HK$9,816/mo
Deposit HK$22.19M · loan HK$33.29M · min. income ≈ HK$322,642/mo (50% DSR)
Upfront cash ≈ HK$24.55M (deposit + AVD stamp duty HK$2,357,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,878
−HK$9,124/mo
▼ 0.25% · 3.875%
HK$173,407
−HK$4,595/mo
Today · 4.125%
HK$178,002
baseline
▲ 0.50% · 4.625%
HK$187,385
+HK$9,383/mo
Deposit HK$22.19M · loan HK$33.29M · min. income ≈ HK$356,004/mo (50% DSR)
Upfront cash ≈ HK$24.55M (deposit + AVD stamp duty HK$2,357,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,102
−HK$11,106/mo
▼ 0.25% · 3.875%
HK$182,611
−HK$5,597/mo
Today · 4.125%
HK$188,208
baseline
▲ 0.50% · 4.625%
HK$199,660
+HK$11,452/mo
Deposit HK$16.64M · loan HK$38.83M · min. income ≈ HK$376,416/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$2,357,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,025
−HK$10,644/mo
▼ 0.25% · 3.875%
HK$202,309
−HK$5,360/mo
Today · 4.125%
HK$207,669
baseline
▲ 0.50% · 4.625%
HK$218,616
+HK$10,947/mo
Deposit HK$16.64M · loan HK$38.83M · min. income ≈ HK$415,338/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$2,357,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,703
−HK$14,279/mo
▼ 0.25% · 3.875%
HK$234,786
−HK$7,196/mo
Today · 4.125%
HK$241,982
baseline
▲ 0.50% · 4.625%
HK$256,706
+HK$14,724/mo
Deposit HK$5.55M · loan HK$49.93M · min. income ≈ HK$483,964/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$2,357,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,317
−HK$13,686/mo
▼ 0.25% · 3.875%
HK$260,111
−HK$6,892/mo
Today · 4.125%
HK$267,003
baseline
▲ 0.50% · 4.625%
HK$281,077
+HK$14,074/mo
Deposit HK$5.55M · loan HK$49.93M · min. income ≈ HK$534,006/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$2,357,771 · Scale 2, in force from 26 Feb 2026)