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$126,353
−HK$7,923/mo
▼ 0.25% · 3.875%
HK$130,283
−HK$3,993/mo
Today · 4.125%
HK$134,276
baseline
▲ 0.50% · 4.625%
HK$142,447
+HK$8,171/mo
Deposit HK$27.71M · loan HK$27.71M · min. income ≈ HK$268,552/mo (50% DSR)
Upfront cash ≈ HK$30.06M (deposit + AVD stamp duty HK$2,354,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,566
−HK$7,595/mo
▼ 0.25% · 3.875%
HK$144,336
−HK$3,825/mo
Today · 4.125%
HK$148,161
baseline
▲ 0.50% · 4.625%
HK$155,970
+HK$7,809/mo
Deposit HK$27.71M · loan HK$27.71M · min. income ≈ HK$296,322/mo (50% DSR)
Upfront cash ≈ HK$30.06M (deposit + AVD stamp duty HK$2,354,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,623
−HK$9,509/mo
▼ 0.25% · 3.875%
HK$156,340
−HK$4,792/mo
Today · 4.125%
HK$161,132
baseline
▲ 0.50% · 4.625%
HK$170,936
+HK$9,804/mo
Deposit HK$22.16M · loan HK$33.25M · min. income ≈ HK$322,264/mo (50% DSR)
Upfront cash ≈ HK$24.52M (deposit + AVD stamp duty HK$2,354,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,679
−HK$9,114/mo
▼ 0.25% · 3.875%
HK$173,203
−HK$4,590/mo
Today · 4.125%
HK$177,793
baseline
▲ 0.50% · 4.625%
HK$187,164
+HK$9,371/mo
Deposit HK$22.16M · loan HK$33.25M · min. income ≈ HK$355,586/mo (50% DSR)
Upfront cash ≈ HK$24.52M (deposit + AVD stamp duty HK$2,354,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,894
−HK$11,093/mo
▼ 0.25% · 3.875%
HK$182,396
−HK$5,591/mo
Today · 4.125%
HK$187,987
baseline
▲ 0.50% · 4.625%
HK$199,425
+HK$11,438/mo
Deposit HK$16.62M · loan HK$38.79M · min. income ≈ HK$375,974/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$2,354,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,793
−HK$10,632/mo
▼ 0.25% · 3.875%
HK$202,071
−HK$5,354/mo
Today · 4.125%
HK$207,425
baseline
▲ 0.50% · 4.625%
HK$218,358
+HK$10,933/mo
Deposit HK$16.62M · loan HK$38.79M · min. income ≈ HK$414,850/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$2,354,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,435
−HK$14,262/mo
▼ 0.25% · 3.875%
HK$234,510
−HK$7,187/mo
Today · 4.125%
HK$241,697
baseline
▲ 0.50% · 4.625%
HK$256,404
+HK$14,707/mo
Deposit HK$5.54M · loan HK$49.87M · min. income ≈ HK$483,394/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$2,354,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,019
−HK$13,670/mo
▼ 0.25% · 3.875%
HK$259,805
−HK$6,884/mo
Today · 4.125%
HK$266,689
baseline
▲ 0.50% · 4.625%
HK$280,747
+HK$14,058/mo
Deposit HK$5.54M · loan HK$49.87M · min. income ≈ HK$533,378/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$2,354,996 · Scale 2, in force from 26 Feb 2026)