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$126,587
−HK$7,938/mo
▼ 0.25% · 3.875%
HK$130,525
−HK$4,000/mo
Today · 4.125%
HK$134,525
baseline
▲ 0.50% · 4.625%
HK$142,711
+HK$8,186/mo
Deposit HK$27.76M · loan HK$27.76M · min. income ≈ HK$269,050/mo (50% DSR)
Upfront cash ≈ HK$30.12M (deposit + AVD stamp duty HK$2,359,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,827
−HK$7,608/mo
▼ 0.25% · 3.875%
HK$144,604
−HK$3,831/mo
Today · 4.125%
HK$148,435
baseline
▲ 0.50% · 4.625%
HK$156,259
+HK$7,824/mo
Deposit HK$27.76M · loan HK$27.76M · min. income ≈ HK$296,870/mo (50% DSR)
Upfront cash ≈ HK$30.12M (deposit + AVD stamp duty HK$2,359,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,904
−HK$9,526/mo
▼ 0.25% · 3.875%
HK$156,629
−HK$4,801/mo
Today · 4.125%
HK$161,430
baseline
▲ 0.50% · 4.625%
HK$171,253
+HK$9,823/mo
Deposit HK$22.21M · loan HK$33.31M · min. income ≈ HK$322,860/mo (50% DSR)
Upfront cash ≈ HK$24.57M (deposit + AVD stamp duty HK$2,359,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,992
−HK$9,130/mo
▼ 0.25% · 3.875%
HK$173,524
−HK$4,598/mo
Today · 4.125%
HK$178,122
baseline
▲ 0.50% · 4.625%
HK$187,511
+HK$9,389/mo
Deposit HK$22.21M · loan HK$33.31M · min. income ≈ HK$356,244/mo (50% DSR)
Upfront cash ≈ HK$24.57M (deposit + AVD stamp duty HK$2,359,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,222
−HK$11,113/mo
▼ 0.25% · 3.875%
HK$182,734
−HK$5,601/mo
Today · 4.125%
HK$188,335
baseline
▲ 0.50% · 4.625%
HK$199,795
+HK$11,460/mo
Deposit HK$16.65M · loan HK$38.86M · min. income ≈ HK$376,670/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$2,359,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,157
−HK$10,652/mo
▼ 0.25% · 3.875%
HK$202,445
−HK$5,364/mo
Today · 4.125%
HK$207,809
baseline
▲ 0.50% · 4.625%
HK$218,763
+HK$10,954/mo
Deposit HK$16.65M · loan HK$38.86M · min. income ≈ HK$415,618/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$2,359,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,857
−HK$14,288/mo
▼ 0.25% · 3.875%
HK$234,944
−HK$7,201/mo
Today · 4.125%
HK$242,145
baseline
▲ 0.50% · 4.625%
HK$256,879
+HK$14,734/mo
Deposit HK$5.55M · loan HK$49.96M · min. income ≈ HK$484,290/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$2,359,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,488
−HK$13,695/mo
▼ 0.25% · 3.875%
HK$260,286
−HK$6,897/mo
Today · 4.125%
HK$267,183
baseline
▲ 0.50% · 4.625%
HK$281,267
+HK$14,084/mo
Deposit HK$5.55M · loan HK$49.96M · min. income ≈ HK$534,366/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$2,359,360 · Scale 2, in force from 26 Feb 2026)