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$131,678
−HK$8,258/mo
▼ 0.25% · 3.875%
HK$135,774
−HK$4,162/mo
Today · 4.125%
HK$139,936
baseline
▲ 0.50% · 4.625%
HK$148,450
+HK$8,514/mo
Deposit HK$28.87M · loan HK$28.87M · min. income ≈ HK$279,872/mo (50% DSR)
Upfront cash ≈ HK$31.33M (deposit + AVD stamp duty HK$2,454,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,491
−HK$7,914/mo
▼ 0.25% · 3.875%
HK$150,419
−HK$3,986/mo
Today · 4.125%
HK$154,405
baseline
▲ 0.50% · 4.625%
HK$162,544
+HK$8,139/mo
Deposit HK$28.87M · loan HK$28.87M · min. income ≈ HK$308,810/mo (50% DSR)
Upfront cash ≈ HK$31.33M (deposit + AVD stamp duty HK$2,454,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,014
−HK$9,909/mo
▼ 0.25% · 3.875%
HK$162,929
−HK$4,994/mo
Today · 4.125%
HK$167,923
baseline
▲ 0.50% · 4.625%
HK$178,140
+HK$10,217/mo
Deposit HK$23.10M · loan HK$34.65M · min. income ≈ HK$335,846/mo (50% DSR)
Upfront cash ≈ HK$25.55M (deposit + AVD stamp duty HK$2,454,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,789
−HK$9,497/mo
▼ 0.25% · 3.875%
HK$180,503
−HK$4,783/mo
Today · 4.125%
HK$185,286
baseline
▲ 0.50% · 4.625%
HK$195,053
+HK$9,767/mo
Deposit HK$23.10M · loan HK$34.65M · min. income ≈ HK$370,572/mo (50% DSR)
Upfront cash ≈ HK$25.55M (deposit + AVD stamp duty HK$2,454,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,349
−HK$11,561/mo
▼ 0.25% · 3.875%
HK$190,084
−HK$5,826/mo
Today · 4.125%
HK$195,910
baseline
▲ 0.50% · 4.625%
HK$207,830
+HK$11,920/mo
Deposit HK$17.32M · loan HK$40.42M · min. income ≈ HK$391,820/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$2,454,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,087
−HK$11,080/mo
▼ 0.25% · 3.875%
HK$210,587
−HK$5,580/mo
Today · 4.125%
HK$216,167
baseline
▲ 0.50% · 4.625%
HK$227,562
+HK$11,395/mo
Deposit HK$17.32M · loan HK$40.42M · min. income ≈ HK$432,334/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$2,454,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,021
−HK$14,863/mo
▼ 0.25% · 3.875%
HK$244,393
−HK$7,491/mo
Today · 4.125%
HK$251,884
baseline
▲ 0.50% · 4.625%
HK$267,210
+HK$15,326/mo
Deposit HK$5.77M · loan HK$51.97M · min. income ≈ HK$503,768/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$2,454,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,683
−HK$14,246/mo
▼ 0.25% · 3.875%
HK$270,755
−HK$7,174/mo
Today · 4.125%
HK$277,929
baseline
▲ 0.50% · 4.625%
HK$292,579
+HK$14,650/mo
Deposit HK$5.77M · loan HK$51.97M · min. income ≈ HK$555,858/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$2,454,251 · Scale 2, in force from 26 Feb 2026)