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$125,725
−HK$7,884/mo
▼ 0.25% · 3.875%
HK$129,636
−HK$3,973/mo
Today · 4.125%
HK$133,609
baseline
▲ 0.50% · 4.625%
HK$141,739
+HK$8,130/mo
Deposit HK$27.57M · loan HK$27.57M · min. income ≈ HK$267,218/mo (50% DSR)
Upfront cash ≈ HK$29.91M (deposit + AVD stamp duty HK$2,343,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,868
−HK$7,556/mo
▼ 0.25% · 3.875%
HK$143,619
−HK$3,805/mo
Today · 4.125%
HK$147,424
baseline
▲ 0.50% · 4.625%
HK$155,195
+HK$7,771/mo
Deposit HK$27.57M · loan HK$27.57M · min. income ≈ HK$294,848/mo (50% DSR)
Upfront cash ≈ HK$29.91M (deposit + AVD stamp duty HK$2,343,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,870
−HK$9,461/mo
▼ 0.25% · 3.875%
HK$155,563
−HK$4,768/mo
Today · 4.125%
HK$160,331
baseline
▲ 0.50% · 4.625%
HK$170,086
+HK$9,755/mo
Deposit HK$22.05M · loan HK$33.08M · min. income ≈ HK$320,662/mo (50% DSR)
Upfront cash ≈ HK$24.40M (deposit + AVD stamp duty HK$2,343,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,841
−HK$9,068/mo
▼ 0.25% · 3.875%
HK$172,342
−HK$4,567/mo
Today · 4.125%
HK$176,909
baseline
▲ 0.50% · 4.625%
HK$186,234
+HK$9,325/mo
Deposit HK$22.05M · loan HK$33.08M · min. income ≈ HK$353,818/mo (50% DSR)
Upfront cash ≈ HK$24.40M (deposit + AVD stamp duty HK$2,343,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,015
−HK$11,037/mo
▼ 0.25% · 3.875%
HK$181,490
−HK$5,562/mo
Today · 4.125%
HK$187,052
baseline
▲ 0.50% · 4.625%
HK$198,434
+HK$11,382/mo
Deposit HK$16.54M · loan HK$38.60M · min. income ≈ HK$374,104/mo (50% DSR)
Upfront cash ≈ HK$18.88M (deposit + AVD stamp duty HK$2,343,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,815
−HK$10,579/mo
▼ 0.25% · 3.875%
HK$201,066
−HK$5,328/mo
Today · 4.125%
HK$206,394
baseline
▲ 0.50% · 4.625%
HK$217,273
+HK$10,879/mo
Deposit HK$16.54M · loan HK$38.60M · min. income ≈ HK$412,788/mo (50% DSR)
Upfront cash ≈ HK$18.88M (deposit + AVD stamp duty HK$2,343,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,305
−HK$14,191/mo
▼ 0.25% · 3.875%
HK$233,344
−HK$7,152/mo
Today · 4.125%
HK$240,496
baseline
▲ 0.50% · 4.625%
HK$255,130
+HK$14,634/mo
Deposit HK$5.51M · loan HK$49.62M · min. income ≈ HK$480,992/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$2,343,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,762
−HK$13,602/mo
▼ 0.25% · 3.875%
HK$258,514
−HK$6,850/mo
Today · 4.125%
HK$265,364
baseline
▲ 0.50% · 4.625%
HK$279,351
+HK$13,987/mo
Deposit HK$5.51M · loan HK$49.62M · min. income ≈ HK$530,728/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$2,343,291 · Scale 2, in force from 26 Feb 2026)