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$124,583
−HK$7,812/mo
▼ 0.25% · 3.875%
HK$128,458
−HK$3,937/mo
Today · 4.125%
HK$132,395
baseline
▲ 0.50% · 4.625%
HK$140,451
+HK$8,056/mo
Deposit HK$27.32M · loan HK$27.32M · min. income ≈ HK$264,790/mo (50% DSR)
Upfront cash ≈ HK$29.64M (deposit + AVD stamp duty HK$2,322,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,597
−HK$7,488/mo
▼ 0.25% · 3.875%
HK$142,314
−HK$3,771/mo
Today · 4.125%
HK$146,085
baseline
▲ 0.50% · 4.625%
HK$153,786
+HK$7,701/mo
Deposit HK$27.32M · loan HK$27.32M · min. income ≈ HK$292,170/mo (50% DSR)
Upfront cash ≈ HK$29.64M (deposit + AVD stamp duty HK$2,322,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,500
−HK$9,374/mo
▼ 0.25% · 3.875%
HK$154,150
−HK$4,724/mo
Today · 4.125%
HK$158,874
baseline
▲ 0.50% · 4.625%
HK$168,542
+HK$9,668/mo
Deposit HK$21.85M · loan HK$32.78M · min. income ≈ HK$317,748/mo (50% DSR)
Upfront cash ≈ HK$24.18M (deposit + AVD stamp duty HK$2,322,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,317
−HK$8,985/mo
▼ 0.25% · 3.875%
HK$170,777
−HK$4,525/mo
Today · 4.125%
HK$175,302
baseline
▲ 0.50% · 4.625%
HK$184,543
+HK$9,241/mo
Deposit HK$21.85M · loan HK$32.78M · min. income ≈ HK$350,604/mo (50% DSR)
Upfront cash ≈ HK$24.18M (deposit + AVD stamp duty HK$2,322,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,416
−HK$10,938/mo
▼ 0.25% · 3.875%
HK$179,841
−HK$5,513/mo
Today · 4.125%
HK$185,354
baseline
▲ 0.50% · 4.625%
HK$196,632
+HK$11,278/mo
Deposit HK$16.39M · loan HK$38.24M · min. income ≈ HK$370,708/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$2,322,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,036
−HK$10,483/mo
▼ 0.25% · 3.875%
HK$199,240
−HK$5,279/mo
Today · 4.125%
HK$204,519
baseline
▲ 0.50% · 4.625%
HK$215,300
+HK$10,781/mo
Deposit HK$16.39M · loan HK$38.24M · min. income ≈ HK$409,038/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$2,322,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,249
−HK$14,063/mo
▼ 0.25% · 3.875%
HK$231,225
−HK$7,087/mo
Today · 4.125%
HK$238,312
baseline
▲ 0.50% · 4.625%
HK$252,812
+HK$14,500/mo
Deposit HK$5.46M · loan HK$49.17M · min. income ≈ HK$476,624/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$2,322,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,475
−HK$13,478/mo
▼ 0.25% · 3.875%
HK$256,166
−HK$6,787/mo
Today · 4.125%
HK$262,953
baseline
▲ 0.50% · 4.625%
HK$276,814
+HK$13,861/mo
Deposit HK$5.46M · loan HK$49.17M · min. income ≈ HK$525,906/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$2,322,009 · Scale 2, in force from 26 Feb 2026)