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$130,178
−HK$8,163/mo
▼ 0.25% · 3.875%
HK$134,227
−HK$4,114/mo
Today · 4.125%
HK$138,341
baseline
▲ 0.50% · 4.625%
HK$146,759
+HK$8,418/mo
Deposit HK$28.54M · loan HK$28.54M · min. income ≈ HK$276,682/mo (50% DSR)
Upfront cash ≈ HK$30.97M (deposit + AVD stamp duty HK$2,426,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,822
−HK$7,824/mo
▼ 0.25% · 3.875%
HK$148,706
−HK$3,940/mo
Today · 4.125%
HK$152,646
baseline
▲ 0.50% · 4.625%
HK$160,692
+HK$8,046/mo
Deposit HK$28.54M · loan HK$28.54M · min. income ≈ HK$305,292/mo (50% DSR)
Upfront cash ≈ HK$30.97M (deposit + AVD stamp duty HK$2,426,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,214
−HK$9,796/mo
▼ 0.25% · 3.875%
HK$161,073
−HK$4,937/mo
Today · 4.125%
HK$166,010
baseline
▲ 0.50% · 4.625%
HK$176,111
+HK$10,101/mo
Deposit HK$22.84M · loan HK$34.25M · min. income ≈ HK$332,020/mo (50% DSR)
Upfront cash ≈ HK$25.26M (deposit + AVD stamp duty HK$2,426,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,786
−HK$9,389/mo
▼ 0.25% · 3.875%
HK$178,447
−HK$4,728/mo
Today · 4.125%
HK$183,175
baseline
▲ 0.50% · 4.625%
HK$192,831
+HK$9,656/mo
Deposit HK$22.84M · loan HK$34.25M · min. income ≈ HK$366,350/mo (50% DSR)
Upfront cash ≈ HK$25.26M (deposit + AVD stamp duty HK$2,426,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,249
−HK$11,429/mo
▼ 0.25% · 3.875%
HK$187,918
−HK$5,760/mo
Today · 4.125%
HK$193,678
baseline
▲ 0.50% · 4.625%
HK$205,463
+HK$11,785/mo
Deposit HK$17.13M · loan HK$39.96M · min. income ≈ HK$387,356/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$2,426,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,750
−HK$10,954/mo
▼ 0.25% · 3.875%
HK$208,188
−HK$5,516/mo
Today · 4.125%
HK$213,704
baseline
▲ 0.50% · 4.625%
HK$224,969
+HK$11,265/mo
Deposit HK$17.13M · loan HK$39.96M · min. income ≈ HK$427,408/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$2,426,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,320
−HK$14,694/mo
▼ 0.25% · 3.875%
HK$241,609
−HK$7,405/mo
Today · 4.125%
HK$249,014
baseline
▲ 0.50% · 4.625%
HK$264,166
+HK$15,152/mo
Deposit HK$5.71M · loan HK$51.38M · min. income ≈ HK$498,028/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$2,426,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,679
−HK$14,084/mo
▼ 0.25% · 3.875%
HK$267,670
−HK$7,093/mo
Today · 4.125%
HK$274,763
baseline
▲ 0.50% · 4.625%
HK$289,246
+HK$14,483/mo
Deposit HK$5.71M · loan HK$51.38M · min. income ≈ HK$549,526/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$2,426,292 · Scale 2, in force from 26 Feb 2026)