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$127,106
−HK$7,971/mo
▼ 0.25% · 3.875%
HK$131,060
−HK$4,017/mo
Today · 4.125%
HK$135,077
baseline
▲ 0.50% · 4.625%
HK$143,296
+HK$8,219/mo
Deposit HK$27.87M · loan HK$27.87M · min. income ≈ HK$270,154/mo (50% DSR)
Upfront cash ≈ HK$30.24M (deposit + AVD stamp duty HK$2,369,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,404
−HK$7,640/mo
▼ 0.25% · 3.875%
HK$145,197
−HK$3,847/mo
Today · 4.125%
HK$149,044
baseline
▲ 0.50% · 4.625%
HK$156,900
+HK$7,856/mo
Deposit HK$27.87M · loan HK$27.87M · min. income ≈ HK$298,088/mo (50% DSR)
Upfront cash ≈ HK$30.24M (deposit + AVD stamp duty HK$2,369,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,527
−HK$9,565/mo
▼ 0.25% · 3.875%
HK$157,272
−HK$4,820/mo
Today · 4.125%
HK$162,092
baseline
▲ 0.50% · 4.625%
HK$171,955
+HK$9,863/mo
Deposit HK$22.30M · loan HK$33.45M · min. income ≈ HK$324,184/mo (50% DSR)
Upfront cash ≈ HK$24.67M (deposit + AVD stamp duty HK$2,369,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,685
−HK$9,168/mo
▼ 0.25% · 3.875%
HK$174,236
−HK$4,617/mo
Today · 4.125%
HK$178,853
baseline
▲ 0.50% · 4.625%
HK$188,280
+HK$9,427/mo
Deposit HK$22.30M · loan HK$33.45M · min. income ≈ HK$357,706/mo (50% DSR)
Upfront cash ≈ HK$24.67M (deposit + AVD stamp duty HK$2,369,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,948
−HK$11,159/mo
▼ 0.25% · 3.875%
HK$183,484
−HK$5,623/mo
Today · 4.125%
HK$189,107
baseline
▲ 0.50% · 4.625%
HK$200,614
+HK$11,507/mo
Deposit HK$16.72M · loan HK$39.02M · min. income ≈ HK$378,214/mo (50% DSR)
Upfront cash ≈ HK$19.09M (deposit + AVD stamp duty HK$2,369,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,966
−HK$10,695/mo
▼ 0.25% · 3.875%
HK$203,275
−HK$5,386/mo
Today · 4.125%
HK$208,661
baseline
▲ 0.50% · 4.625%
HK$219,660
+HK$10,999/mo
Deposit HK$16.72M · loan HK$39.02M · min. income ≈ HK$417,322/mo (50% DSR)
Upfront cash ≈ HK$19.09M (deposit + AVD stamp duty HK$2,369,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,791
−HK$14,347/mo
▼ 0.25% · 3.875%
HK$235,907
−HK$7,231/mo
Today · 4.125%
HK$243,138
baseline
▲ 0.50% · 4.625%
HK$257,932
+HK$14,794/mo
Deposit HK$5.57M · loan HK$50.17M · min. income ≈ HK$486,276/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$2,369,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,527
−HK$13,752/mo
▼ 0.25% · 3.875%
HK$261,354
−HK$6,925/mo
Today · 4.125%
HK$268,279
baseline
▲ 0.50% · 4.625%
HK$282,420
+HK$14,141/mo
Deposit HK$5.57M · loan HK$50.17M · min. income ≈ HK$536,558/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$2,369,034 · Scale 2, in force from 26 Feb 2026)