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$127,021
−HK$7,966/mo
▼ 0.25% · 3.875%
HK$130,972
−HK$4,015/mo
Today · 4.125%
HK$134,987
baseline
▲ 0.50% · 4.625%
HK$143,200
+HK$8,213/mo
Deposit HK$27.85M · loan HK$27.85M · min. income ≈ HK$269,974/mo (50% DSR)
Upfront cash ≈ HK$30.22M (deposit + AVD stamp duty HK$2,367,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,310
−HK$7,634/mo
▼ 0.25% · 3.875%
HK$145,100
−HK$3,844/mo
Today · 4.125%
HK$148,944
baseline
▲ 0.50% · 4.625%
HK$156,796
+HK$7,852/mo
Deposit HK$27.85M · loan HK$27.85M · min. income ≈ HK$297,888/mo (50% DSR)
Upfront cash ≈ HK$30.22M (deposit + AVD stamp duty HK$2,367,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,426
−HK$9,558/mo
▼ 0.25% · 3.875%
HK$157,167
−HK$4,817/mo
Today · 4.125%
HK$161,984
baseline
▲ 0.50% · 4.625%
HK$171,840
+HK$9,856/mo
Deposit HK$22.28M · loan HK$33.42M · min. income ≈ HK$323,968/mo (50% DSR)
Upfront cash ≈ HK$24.65M (deposit + AVD stamp duty HK$2,367,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,572
−HK$9,161/mo
▼ 0.25% · 3.875%
HK$174,120
−HK$4,613/mo
Today · 4.125%
HK$178,733
baseline
▲ 0.50% · 4.625%
HK$188,155
+HK$9,422/mo
Deposit HK$22.28M · loan HK$33.42M · min. income ≈ HK$357,466/mo (50% DSR)
Upfront cash ≈ HK$24.65M (deposit + AVD stamp duty HK$2,367,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,830
−HK$11,151/mo
▼ 0.25% · 3.875%
HK$183,361
−HK$5,620/mo
Today · 4.125%
HK$188,981
baseline
▲ 0.50% · 4.625%
HK$200,480
+HK$11,499/mo
Deposit HK$16.71M · loan HK$38.99M · min. income ≈ HK$377,962/mo (50% DSR)
Upfront cash ≈ HK$19.08M (deposit + AVD stamp duty HK$2,367,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,834
−HK$10,688/mo
▼ 0.25% · 3.875%
HK$203,140
−HK$5,382/mo
Today · 4.125%
HK$208,522
baseline
▲ 0.50% · 4.625%
HK$219,514
+HK$10,992/mo
Deposit HK$16.71M · loan HK$38.99M · min. income ≈ HK$417,044/mo (50% DSR)
Upfront cash ≈ HK$19.08M (deposit + AVD stamp duty HK$2,367,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,638
−HK$14,338/mo
▼ 0.25% · 3.875%
HK$235,750
−HK$7,226/mo
Today · 4.125%
HK$242,976
baseline
▲ 0.50% · 4.625%
HK$257,761
+HK$14,785/mo
Deposit HK$5.57M · loan HK$50.13M · min. income ≈ HK$485,952/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$2,367,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,358
−HK$13,742/mo
▼ 0.25% · 3.875%
HK$261,180
−HK$6,920/mo
Today · 4.125%
HK$268,100
baseline
▲ 0.50% · 4.625%
HK$282,232
+HK$14,132/mo
Deposit HK$5.57M · loan HK$50.13M · min. income ≈ HK$536,200/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$2,367,456 · Scale 2, in force from 26 Feb 2026)