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$130,244
−HK$8,168/mo
▼ 0.25% · 3.875%
HK$134,295
−HK$4,117/mo
Today · 4.125%
HK$138,412
baseline
▲ 0.50% · 4.625%
HK$146,834
+HK$8,422/mo
Deposit HK$28.56M · loan HK$28.56M · min. income ≈ HK$276,824/mo (50% DSR)
Upfront cash ≈ HK$30.99M (deposit + AVD stamp duty HK$2,427,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,895
−HK$7,829/mo
▼ 0.25% · 3.875%
HK$148,781
−HK$3,943/mo
Today · 4.125%
HK$152,724
baseline
▲ 0.50% · 4.625%
HK$160,774
+HK$8,050/mo
Deposit HK$28.56M · loan HK$28.56M · min. income ≈ HK$305,448/mo (50% DSR)
Upfront cash ≈ HK$30.99M (deposit + AVD stamp duty HK$2,427,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,293
−HK$9,801/mo
▼ 0.25% · 3.875%
HK$161,155
−HK$4,939/mo
Today · 4.125%
HK$166,094
baseline
▲ 0.50% · 4.625%
HK$176,200
+HK$10,106/mo
Deposit HK$22.85M · loan HK$34.27M · min. income ≈ HK$332,188/mo (50% DSR)
Upfront cash ≈ HK$25.27M (deposit + AVD stamp duty HK$2,427,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,874
−HK$9,394/mo
▼ 0.25% · 3.875%
HK$178,538
−HK$4,730/mo
Today · 4.125%
HK$183,268
baseline
▲ 0.50% · 4.625%
HK$192,929
+HK$9,661/mo
Deposit HK$22.85M · loan HK$34.27M · min. income ≈ HK$366,536/mo (50% DSR)
Upfront cash ≈ HK$25.27M (deposit + AVD stamp duty HK$2,427,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,342
−HK$11,434/mo
▼ 0.25% · 3.875%
HK$188,014
−HK$5,762/mo
Today · 4.125%
HK$193,776
baseline
▲ 0.50% · 4.625%
HK$205,567
+HK$11,791/mo
Deposit HK$17.14M · loan HK$39.98M · min. income ≈ HK$387,552/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$2,427,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,853
−HK$10,960/mo
▼ 0.25% · 3.875%
HK$208,294
−HK$5,519/mo
Today · 4.125%
HK$213,813
baseline
▲ 0.50% · 4.625%
HK$225,083
+HK$11,270/mo
Deposit HK$17.14M · loan HK$39.98M · min. income ≈ HK$427,626/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$2,427,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,439
−HK$14,702/mo
▼ 0.25% · 3.875%
HK$241,732
−HK$7,409/mo
Today · 4.125%
HK$249,141
baseline
▲ 0.50% · 4.625%
HK$264,300
+HK$15,159/mo
Deposit HK$5.71M · loan HK$51.41M · min. income ≈ HK$498,282/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$2,427,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,812
−HK$14,090/mo
▼ 0.25% · 3.875%
HK$267,806
−HK$7,096/mo
Today · 4.125%
HK$274,902
baseline
▲ 0.50% · 4.625%
HK$289,393
+HK$14,491/mo
Deposit HK$5.71M · loan HK$51.41M · min. income ≈ HK$549,804/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$2,427,524 · Scale 2, in force from 26 Feb 2026)