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$126,006
−HK$7,901/mo
▼ 0.25% · 3.875%
HK$129,925
−HK$3,982/mo
Today · 4.125%
HK$133,907
baseline
▲ 0.50% · 4.625%
HK$142,055
+HK$8,148/mo
Deposit HK$27.63M · loan HK$27.63M · min. income ≈ HK$267,814/mo (50% DSR)
Upfront cash ≈ HK$29.98M (deposit + AVD stamp duty HK$2,348,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,180
−HK$7,574/mo
▼ 0.25% · 3.875%
HK$143,940
−HK$3,814/mo
Today · 4.125%
HK$147,754
baseline
▲ 0.50% · 4.625%
HK$155,542
+HK$7,788/mo
Deposit HK$27.63M · loan HK$27.63M · min. income ≈ HK$295,508/mo (50% DSR)
Upfront cash ≈ HK$29.98M (deposit + AVD stamp duty HK$2,348,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,207
−HK$9,482/mo
▼ 0.25% · 3.875%
HK$155,910
−HK$4,779/mo
Today · 4.125%
HK$160,689
baseline
▲ 0.50% · 4.625%
HK$170,466
+HK$9,777/mo
Deposit HK$22.10M · loan HK$33.16M · min. income ≈ HK$321,378/mo (50% DSR)
Upfront cash ≈ HK$24.45M (deposit + AVD stamp duty HK$2,348,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,216
−HK$9,088/mo
▼ 0.25% · 3.875%
HK$172,728
−HK$4,576/mo
Today · 4.125%
HK$177,304
baseline
▲ 0.50% · 4.625%
HK$186,650
+HK$9,346/mo
Deposit HK$22.10M · loan HK$33.16M · min. income ≈ HK$354,608/mo (50% DSR)
Upfront cash ≈ HK$24.45M (deposit + AVD stamp duty HK$2,348,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,408
−HK$11,062/mo
▼ 0.25% · 3.875%
HK$181,895
−HK$5,575/mo
Today · 4.125%
HK$187,470
baseline
▲ 0.50% · 4.625%
HK$198,877
+HK$11,407/mo
Deposit HK$16.58M · loan HK$38.68M · min. income ≈ HK$374,940/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$2,348,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,252
−HK$10,603/mo
▼ 0.25% · 3.875%
HK$201,515
−HK$5,340/mo
Today · 4.125%
HK$206,855
baseline
▲ 0.50% · 4.625%
HK$217,759
+HK$10,904/mo
Deposit HK$16.58M · loan HK$38.68M · min. income ≈ HK$413,710/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$2,348,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,810
−HK$14,223/mo
▼ 0.25% · 3.875%
HK$233,865
−HK$7,168/mo
Today · 4.125%
HK$241,033
baseline
▲ 0.50% · 4.625%
HK$255,700
+HK$14,667/mo
Deposit HK$5.53M · loan HK$49.73M · min. income ≈ HK$482,066/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$2,348,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,324
−HK$13,632/mo
▼ 0.25% · 3.875%
HK$259,091
−HK$6,865/mo
Today · 4.125%
HK$265,956
baseline
▲ 0.50% · 4.625%
HK$279,975
+HK$14,019/mo
Deposit HK$5.53M · loan HK$49.73M · min. income ≈ HK$531,912/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$2,348,527 · Scale 2, in force from 26 Feb 2026)