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$131,953
−HK$8,275/mo
▼ 0.25% · 3.875%
HK$136,058
−HK$4,170/mo
Today · 4.125%
HK$140,228
baseline
▲ 0.50% · 4.625%
HK$148,761
+HK$8,533/mo
Deposit HK$28.93M · loan HK$28.93M · min. income ≈ HK$280,456/mo (50% DSR)
Upfront cash ≈ HK$31.39M (deposit + AVD stamp duty HK$2,459,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,797
−HK$7,931/mo
▼ 0.25% · 3.875%
HK$150,734
−HK$3,994/mo
Today · 4.125%
HK$154,728
baseline
▲ 0.50% · 4.625%
HK$162,884
+HK$8,156/mo
Deposit HK$28.93M · loan HK$28.93M · min. income ≈ HK$309,456/mo (50% DSR)
Upfront cash ≈ HK$31.39M (deposit + AVD stamp duty HK$2,459,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,344
−HK$9,930/mo
▼ 0.25% · 3.875%
HK$163,270
−HK$5,004/mo
Today · 4.125%
HK$168,274
baseline
▲ 0.50% · 4.625%
HK$178,513
+HK$10,239/mo
Deposit HK$23.15M · loan HK$34.72M · min. income ≈ HK$336,548/mo (50% DSR)
Upfront cash ≈ HK$25.61M (deposit + AVD stamp duty HK$2,459,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,156
−HK$9,517/mo
▼ 0.25% · 3.875%
HK$180,881
−HK$4,792/mo
Today · 4.125%
HK$185,673
baseline
▲ 0.50% · 4.625%
HK$195,461
+HK$9,788/mo
Deposit HK$23.15M · loan HK$34.72M · min. income ≈ HK$371,346/mo (50% DSR)
Upfront cash ≈ HK$25.61M (deposit + AVD stamp duty HK$2,459,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,735
−HK$11,584/mo
▼ 0.25% · 3.875%
HK$190,481
−HK$5,838/mo
Today · 4.125%
HK$196,319
baseline
▲ 0.50% · 4.625%
HK$208,265
+HK$11,946/mo
Deposit HK$17.36M · loan HK$40.51M · min. income ≈ HK$392,638/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$2,459,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,516
−HK$11,103/mo
▼ 0.25% · 3.875%
HK$211,028
−HK$5,591/mo
Today · 4.125%
HK$216,619
baseline
▲ 0.50% · 4.625%
HK$228,037
+HK$11,418/mo
Deposit HK$17.36M · loan HK$40.51M · min. income ≈ HK$433,238/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$2,459,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,516
−HK$14,895/mo
▼ 0.25% · 3.875%
HK$244,904
−HK$7,507/mo
Today · 4.125%
HK$252,411
baseline
▲ 0.50% · 4.625%
HK$267,769
+HK$15,358/mo
Deposit HK$5.79M · loan HK$52.08M · min. income ≈ HK$504,822/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$2,459,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,234
−HK$14,276/mo
▼ 0.25% · 3.875%
HK$271,321
−HK$7,189/mo
Today · 4.125%
HK$278,510
baseline
▲ 0.50% · 4.625%
HK$293,191
+HK$14,681/mo
Deposit HK$5.79M · loan HK$52.08M · min. income ≈ HK$557,020/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$2,459,383 · Scale 2, in force from 26 Feb 2026)