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$125,300
−HK$7,857/mo
▼ 0.25% · 3.875%
HK$129,197
−HK$3,960/mo
Today · 4.125%
HK$133,157
baseline
▲ 0.50% · 4.625%
HK$141,259
+HK$8,102/mo
Deposit HK$27.47M · loan HK$27.47M · min. income ≈ HK$266,314/mo (50% DSR)
Upfront cash ≈ HK$29.81M (deposit + AVD stamp duty HK$2,335,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,395
−HK$7,531/mo
▼ 0.25% · 3.875%
HK$143,133
−HK$3,793/mo
Today · 4.125%
HK$146,926
baseline
▲ 0.50% · 4.625%
HK$154,670
+HK$7,744/mo
Deposit HK$27.47M · loan HK$27.47M · min. income ≈ HK$293,852/mo (50% DSR)
Upfront cash ≈ HK$29.81M (deposit + AVD stamp duty HK$2,335,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,359
−HK$9,429/mo
▼ 0.25% · 3.875%
HK$155,037
−HK$4,751/mo
Today · 4.125%
HK$159,788
baseline
▲ 0.50% · 4.625%
HK$169,511
+HK$9,723/mo
Deposit HK$21.98M · loan HK$32.97M · min. income ≈ HK$319,576/mo (50% DSR)
Upfront cash ≈ HK$24.32M (deposit + AVD stamp duty HK$2,335,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,273
−HK$9,038/mo
▼ 0.25% · 3.875%
HK$171,760
−HK$4,551/mo
Today · 4.125%
HK$176,311
baseline
▲ 0.50% · 4.625%
HK$185,604
+HK$9,293/mo
Deposit HK$21.98M · loan HK$32.97M · min. income ≈ HK$352,622/mo (50% DSR)
Upfront cash ≈ HK$24.32M (deposit + AVD stamp duty HK$2,335,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,419
−HK$11,001/mo
▼ 0.25% · 3.875%
HK$180,876
−HK$5,544/mo
Today · 4.125%
HK$186,420
baseline
▲ 0.50% · 4.625%
HK$197,763
+HK$11,343/mo
Deposit HK$16.48M · loan HK$38.46M · min. income ≈ HK$372,840/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$2,335,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,152
−HK$10,544/mo
▼ 0.25% · 3.875%
HK$200,386
−HK$5,310/mo
Today · 4.125%
HK$205,696
baseline
▲ 0.50% · 4.625%
HK$216,538
+HK$10,842/mo
Deposit HK$16.48M · loan HK$38.46M · min. income ≈ HK$411,392/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$2,335,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,539
−HK$14,144/mo
▼ 0.25% · 3.875%
HK$232,555
−HK$7,128/mo
Today · 4.125%
HK$239,683
baseline
▲ 0.50% · 4.625%
HK$254,267
+HK$14,584/mo
Deposit HK$5.49M · loan HK$49.45M · min. income ≈ HK$479,366/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$2,335,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,910
−HK$13,556/mo
▼ 0.25% · 3.875%
HK$257,639
−HK$6,827/mo
Today · 4.125%
HK$264,466
baseline
▲ 0.50% · 4.625%
HK$278,406
+HK$13,940/mo
Deposit HK$5.49M · loan HK$49.45M · min. income ≈ HK$528,932/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$2,335,366 · Scale 2, in force from 26 Feb 2026)