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$125,341
−HK$7,860/mo
▼ 0.25% · 3.875%
HK$129,240
−HK$3,961/mo
Today · 4.125%
HK$133,201
baseline
▲ 0.50% · 4.625%
HK$141,306
+HK$8,105/mo
Deposit HK$27.48M · loan HK$27.48M · min. income ≈ HK$266,402/mo (50% DSR)
Upfront cash ≈ HK$29.82M (deposit + AVD stamp duty HK$2,336,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,441
−HK$7,533/mo
▼ 0.25% · 3.875%
HK$143,180
−HK$3,794/mo
Today · 4.125%
HK$146,974
baseline
▲ 0.50% · 4.625%
HK$154,721
+HK$7,747/mo
Deposit HK$27.48M · loan HK$27.48M · min. income ≈ HK$293,948/mo (50% DSR)
Upfront cash ≈ HK$29.82M (deposit + AVD stamp duty HK$2,336,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,409
−HK$9,432/mo
▼ 0.25% · 3.875%
HK$155,088
−HK$4,753/mo
Today · 4.125%
HK$159,841
baseline
▲ 0.50% · 4.625%
HK$169,567
+HK$9,726/mo
Deposit HK$21.99M · loan HK$32.98M · min. income ≈ HK$319,682/mo (50% DSR)
Upfront cash ≈ HK$24.32M (deposit + AVD stamp duty HK$2,336,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,329
−HK$9,040/mo
▼ 0.25% · 3.875%
HK$171,816
−HK$4,553/mo
Today · 4.125%
HK$176,369
baseline
▲ 0.50% · 4.625%
HK$185,666
+HK$9,297/mo
Deposit HK$21.99M · loan HK$32.98M · min. income ≈ HK$352,738/mo (50% DSR)
Upfront cash ≈ HK$24.32M (deposit + AVD stamp duty HK$2,336,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,477
−HK$11,004/mo
▼ 0.25% · 3.875%
HK$180,936
−HK$5,545/mo
Today · 4.125%
HK$186,481
baseline
▲ 0.50% · 4.625%
HK$197,828
+HK$11,347/mo
Deposit HK$16.49M · loan HK$38.48M · min. income ≈ HK$372,962/mo (50% DSR)
Upfront cash ≈ HK$18.83M (deposit + AVD stamp duty HK$2,336,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,217
−HK$10,547/mo
▼ 0.25% · 3.875%
HK$200,452
−HK$5,312/mo
Today · 4.125%
HK$205,764
baseline
▲ 0.50% · 4.625%
HK$216,610
+HK$10,846/mo
Deposit HK$16.49M · loan HK$38.48M · min. income ≈ HK$411,528/mo (50% DSR)
Upfront cash ≈ HK$18.83M (deposit + AVD stamp duty HK$2,336,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,614
−HK$14,148/mo
▼ 0.25% · 3.875%
HK$232,632
−HK$7,130/mo
Today · 4.125%
HK$239,762
baseline
▲ 0.50% · 4.625%
HK$254,351
+HK$14,589/mo
Deposit HK$5.50M · loan HK$49.47M · min. income ≈ HK$479,524/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$2,336,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,993
−HK$13,560/mo
▼ 0.25% · 3.875%
HK$257,724
−HK$6,829/mo
Today · 4.125%
HK$264,553
baseline
▲ 0.50% · 4.625%
HK$278,498
+HK$13,945/mo
Deposit HK$5.50M · loan HK$49.47M · min. income ≈ HK$529,106/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$2,336,137 · Scale 2, in force from 26 Feb 2026)