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$125,917
−HK$7,896/mo
▼ 0.25% · 3.875%
HK$129,834
−HK$3,979/mo
Today · 4.125%
HK$133,813
baseline
▲ 0.50% · 4.625%
HK$141,955
+HK$8,142/mo
Deposit HK$27.61M · loan HK$27.61M · min. income ≈ HK$267,626/mo (50% DSR)
Upfront cash ≈ HK$29.96M (deposit + AVD stamp duty HK$2,346,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,081
−HK$7,568/mo
▼ 0.25% · 3.875%
HK$143,838
−HK$3,811/mo
Today · 4.125%
HK$147,649
baseline
▲ 0.50% · 4.625%
HK$155,432
+HK$7,783/mo
Deposit HK$27.61M · loan HK$27.61M · min. income ≈ HK$295,298/mo (50% DSR)
Upfront cash ≈ HK$29.96M (deposit + AVD stamp duty HK$2,346,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,100
−HK$9,475/mo
▼ 0.25% · 3.875%
HK$155,800
−HK$4,775/mo
Today · 4.125%
HK$160,575
baseline
▲ 0.50% · 4.625%
HK$170,346
+HK$9,771/mo
Deposit HK$22.09M · loan HK$33.13M · min. income ≈ HK$321,150/mo (50% DSR)
Upfront cash ≈ HK$24.44M (deposit + AVD stamp duty HK$2,346,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,097
−HK$9,082/mo
▼ 0.25% · 3.875%
HK$172,606
−HK$4,573/mo
Today · 4.125%
HK$177,179
baseline
▲ 0.50% · 4.625%
HK$186,519
+HK$9,340/mo
Deposit HK$22.09M · loan HK$33.13M · min. income ≈ HK$354,358/mo (50% DSR)
Upfront cash ≈ HK$24.44M (deposit + AVD stamp duty HK$2,346,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,283
−HK$11,055/mo
▼ 0.25% · 3.875%
HK$181,767
−HK$5,571/mo
Today · 4.125%
HK$187,338
baseline
▲ 0.50% · 4.625%
HK$198,737
+HK$11,399/mo
Deposit HK$16.57M · loan HK$38.65M · min. income ≈ HK$374,676/mo (50% DSR)
Upfront cash ≈ HK$18.91M (deposit + AVD stamp duty HK$2,346,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,114
−HK$10,595/mo
▼ 0.25% · 3.875%
HK$201,373
−HK$5,336/mo
Today · 4.125%
HK$206,709
baseline
▲ 0.50% · 4.625%
HK$217,605
+HK$10,896/mo
Deposit HK$16.57M · loan HK$38.65M · min. income ≈ HK$413,418/mo (50% DSR)
Upfront cash ≈ HK$18.91M (deposit + AVD stamp duty HK$2,346,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,650
−HK$14,213/mo
▼ 0.25% · 3.875%
HK$233,700
−HK$7,163/mo
Today · 4.125%
HK$240,863
baseline
▲ 0.50% · 4.625%
HK$255,519
+HK$14,656/mo
Deposit HK$5.52M · loan HK$49.70M · min. income ≈ HK$481,726/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$2,346,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,146
−HK$13,623/mo
▼ 0.25% · 3.875%
HK$258,908
−HK$6,861/mo
Today · 4.125%
HK$265,769
baseline
▲ 0.50% · 4.625%
HK$279,778
+HK$14,009/mo
Deposit HK$5.52M · loan HK$49.70M · min. income ≈ HK$531,538/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$2,346,869 · Scale 2, in force from 26 Feb 2026)