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$126,955
−HK$7,962/mo
▼ 0.25% · 3.875%
HK$130,904
−HK$4,013/mo
Today · 4.125%
HK$134,917
baseline
▲ 0.50% · 4.625%
HK$143,126
+HK$8,209/mo
Deposit HK$27.84M · loan HK$27.84M · min. income ≈ HK$269,834/mo (50% DSR)
Upfront cash ≈ HK$30.20M (deposit + AVD stamp duty HK$2,366,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,237
−HK$7,630/mo
▼ 0.25% · 3.875%
HK$145,025
−HK$3,842/mo
Today · 4.125%
HK$148,867
baseline
▲ 0.50% · 4.625%
HK$156,714
+HK$7,847/mo
Deposit HK$27.84M · loan HK$27.84M · min. income ≈ HK$297,734/mo (50% DSR)
Upfront cash ≈ HK$30.20M (deposit + AVD stamp duty HK$2,366,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,346
−HK$9,554/mo
▼ 0.25% · 3.875%
HK$157,085
−HK$4,815/mo
Today · 4.125%
HK$161,900
baseline
▲ 0.50% · 4.625%
HK$171,751
+HK$9,851/mo
Deposit HK$22.27M · loan HK$33.41M · min. income ≈ HK$323,800/mo (50% DSR)
Upfront cash ≈ HK$24.64M (deposit + AVD stamp duty HK$2,366,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,484
−HK$9,157/mo
▼ 0.25% · 3.875%
HK$174,029
−HK$4,612/mo
Today · 4.125%
HK$178,641
baseline
▲ 0.50% · 4.625%
HK$188,057
+HK$9,416/mo
Deposit HK$22.27M · loan HK$33.41M · min. income ≈ HK$357,282/mo (50% DSR)
Upfront cash ≈ HK$24.64M (deposit + AVD stamp duty HK$2,366,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,738
−HK$11,145/mo
▼ 0.25% · 3.875%
HK$183,266
−HK$5,617/mo
Today · 4.125%
HK$188,883
baseline
▲ 0.50% · 4.625%
HK$200,376
+HK$11,493/mo
Deposit HK$16.70M · loan HK$38.97M · min. income ≈ HK$377,766/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$2,366,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,731
−HK$10,683/mo
▼ 0.25% · 3.875%
HK$203,034
−HK$5,380/mo
Today · 4.125%
HK$208,414
baseline
▲ 0.50% · 4.625%
HK$219,400
+HK$10,986/mo
Deposit HK$16.70M · loan HK$38.97M · min. income ≈ HK$416,828/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$2,366,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,520
−HK$14,330/mo
▼ 0.25% · 3.875%
HK$235,628
−HK$7,222/mo
Today · 4.125%
HK$242,850
baseline
▲ 0.50% · 4.625%
HK$257,627
+HK$14,777/mo
Deposit HK$5.57M · loan HK$50.11M · min. income ≈ HK$485,700/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$2,366,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,226
−HK$13,735/mo
▼ 0.25% · 3.875%
HK$261,044
−HK$6,917/mo
Today · 4.125%
HK$267,961
baseline
▲ 0.50% · 4.625%
HK$282,086
+HK$14,125/mo
Deposit HK$5.57M · loan HK$50.11M · min. income ≈ HK$535,922/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$2,366,228 · Scale 2, in force from 26 Feb 2026)