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$131,178
−HK$8,227/mo
▼ 0.25% · 3.875%
HK$135,259
−HK$4,146/mo
Today · 4.125%
HK$139,405
baseline
▲ 0.50% · 4.625%
HK$147,887
+HK$8,482/mo
Deposit HK$28.76M · loan HK$28.76M · min. income ≈ HK$278,810/mo (50% DSR)
Upfront cash ≈ HK$31.21M (deposit + AVD stamp duty HK$2,444,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,935
−HK$7,884/mo
▼ 0.25% · 3.875%
HK$149,849
−HK$3,970/mo
Today · 4.125%
HK$153,819
baseline
▲ 0.50% · 4.625%
HK$161,927
+HK$8,108/mo
Deposit HK$28.76M · loan HK$28.76M · min. income ≈ HK$307,638/mo (50% DSR)
Upfront cash ≈ HK$31.21M (deposit + AVD stamp duty HK$2,444,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,414
−HK$9,871/mo
▼ 0.25% · 3.875%
HK$162,311
−HK$4,974/mo
Today · 4.125%
HK$167,285
baseline
▲ 0.50% · 4.625%
HK$177,464
+HK$10,179/mo
Deposit HK$23.01M · loan HK$34.52M · min. income ≈ HK$334,570/mo (50% DSR)
Upfront cash ≈ HK$25.46M (deposit + AVD stamp duty HK$2,444,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,122
−HK$9,461/mo
▼ 0.25% · 3.875%
HK$179,818
−HK$4,765/mo
Today · 4.125%
HK$184,583
baseline
▲ 0.50% · 4.625%
HK$194,313
+HK$9,730/mo
Deposit HK$23.01M · loan HK$34.52M · min. income ≈ HK$369,166/mo (50% DSR)
Upfront cash ≈ HK$25.46M (deposit + AVD stamp duty HK$2,444,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,650
−HK$11,516/mo
▼ 0.25% · 3.875%
HK$189,362
−HK$5,804/mo
Today · 4.125%
HK$195,166
baseline
▲ 0.50% · 4.625%
HK$207,042
+HK$11,876/mo
Deposit HK$17.26M · loan HK$40.27M · min. income ≈ HK$390,332/mo (50% DSR)
Upfront cash ≈ HK$19.70M (deposit + AVD stamp duty HK$2,444,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,309
−HK$11,038/mo
▼ 0.25% · 3.875%
HK$209,788
−HK$5,559/mo
Today · 4.125%
HK$215,347
baseline
▲ 0.50% · 4.625%
HK$226,698
+HK$11,351/mo
Deposit HK$17.26M · loan HK$40.27M · min. income ≈ HK$430,694/mo (50% DSR)
Upfront cash ≈ HK$19.70M (deposit + AVD stamp duty HK$2,444,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,121
−HK$14,807/mo
▼ 0.25% · 3.875%
HK$243,466
−HK$7,462/mo
Today · 4.125%
HK$250,928
baseline
▲ 0.50% · 4.625%
HK$266,197
+HK$15,269/mo
Deposit HK$5.75M · loan HK$51.78M · min. income ≈ HK$501,856/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$2,444,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,683
−HK$14,191/mo
▼ 0.25% · 3.875%
HK$269,728
−HK$7,146/mo
Today · 4.125%
HK$276,874
baseline
▲ 0.50% · 4.625%
HK$291,469
+HK$14,595/mo
Deposit HK$5.75M · loan HK$51.78M · min. income ≈ HK$553,748/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$2,444,938 · Scale 2, in force from 26 Feb 2026)