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$131,466
−HK$8,245/mo
▼ 0.25% · 3.875%
HK$135,556
−HK$4,155/mo
Today · 4.125%
HK$139,711
baseline
▲ 0.50% · 4.625%
HK$148,212
+HK$8,501/mo
Deposit HK$28.83M · loan HK$28.83M · min. income ≈ HK$279,422/mo (50% DSR)
Upfront cash ≈ HK$31.28M (deposit + AVD stamp duty HK$2,450,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,255
−HK$7,902/mo
▼ 0.25% · 3.875%
HK$150,178
−HK$3,979/mo
Today · 4.125%
HK$154,157
baseline
▲ 0.50% · 4.625%
HK$162,283
+HK$8,126/mo
Deposit HK$28.83M · loan HK$28.83M · min. income ≈ HK$308,314/mo (50% DSR)
Upfront cash ≈ HK$31.28M (deposit + AVD stamp duty HK$2,450,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,760
−HK$9,893/mo
▼ 0.25% · 3.875%
HK$162,667
−HK$4,986/mo
Today · 4.125%
HK$167,653
baseline
▲ 0.50% · 4.625%
HK$177,854
+HK$10,201/mo
Deposit HK$23.06M · loan HK$34.59M · min. income ≈ HK$335,306/mo (50% DSR)
Upfront cash ≈ HK$25.51M (deposit + AVD stamp duty HK$2,450,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,506
−HK$9,482/mo
▼ 0.25% · 3.875%
HK$180,213
−HK$4,775/mo
Today · 4.125%
HK$184,988
baseline
▲ 0.50% · 4.625%
HK$194,739
+HK$9,751/mo
Deposit HK$23.06M · loan HK$34.59M · min. income ≈ HK$369,976/mo (50% DSR)
Upfront cash ≈ HK$25.51M (deposit + AVD stamp duty HK$2,450,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,053
−HK$11,542/mo
▼ 0.25% · 3.875%
HK$189,778
−HK$5,817/mo
Today · 4.125%
HK$195,595
baseline
▲ 0.50% · 4.625%
HK$207,496
+HK$11,901/mo
Deposit HK$17.30M · loan HK$40.36M · min. income ≈ HK$391,190/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$2,450,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,757
−HK$11,063/mo
▼ 0.25% · 3.875%
HK$210,249
−HK$5,571/mo
Today · 4.125%
HK$215,820
baseline
▲ 0.50% · 4.625%
HK$227,196
+HK$11,376/mo
Deposit HK$17.30M · loan HK$40.36M · min. income ≈ HK$431,640/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$2,450,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,640
−HK$14,839/mo
▼ 0.25% · 3.875%
HK$244,001
−HK$7,478/mo
Today · 4.125%
HK$251,479
baseline
▲ 0.50% · 4.625%
HK$266,781
+HK$15,302/mo
Deposit HK$5.77M · loan HK$51.89M · min. income ≈ HK$502,958/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$2,450,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,259
−HK$14,223/mo
▼ 0.25% · 3.875%
HK$270,320
−HK$7,162/mo
Today · 4.125%
HK$277,482
baseline
▲ 0.50% · 4.625%
HK$292,109
+HK$14,627/mo
Deposit HK$5.77M · loan HK$51.89M · min. income ≈ HK$554,964/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$2,450,306 · Scale 2, in force from 26 Feb 2026)