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$129,489
−HK$8,120/mo
▼ 0.25% · 3.875%
HK$133,517
−HK$4,092/mo
Today · 4.125%
HK$137,609
baseline
▲ 0.50% · 4.625%
HK$145,983
+HK$8,374/mo
Deposit HK$28.39M · loan HK$28.39M · min. income ≈ HK$275,218/mo (50% DSR)
Upfront cash ≈ HK$30.81M (deposit + AVD stamp duty HK$2,413,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,056
−HK$7,782/mo
▼ 0.25% · 3.875%
HK$147,919
−HK$3,919/mo
Today · 4.125%
HK$151,838
baseline
▲ 0.50% · 4.625%
HK$159,842
+HK$8,004/mo
Deposit HK$28.39M · loan HK$28.39M · min. income ≈ HK$303,676/mo (50% DSR)
Upfront cash ≈ HK$30.81M (deposit + AVD stamp duty HK$2,413,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,387
−HK$9,744/mo
▼ 0.25% · 3.875%
HK$160,221
−HK$4,910/mo
Today · 4.125%
HK$165,131
baseline
▲ 0.50% · 4.625%
HK$175,179
+HK$10,048/mo
Deposit HK$22.71M · loan HK$34.07M · min. income ≈ HK$330,262/mo (50% DSR)
Upfront cash ≈ HK$25.13M (deposit + AVD stamp duty HK$2,413,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,867
−HK$9,339/mo
▼ 0.25% · 3.875%
HK$177,503
−HK$4,703/mo
Today · 4.125%
HK$182,206
baseline
▲ 0.50% · 4.625%
HK$191,810
+HK$9,604/mo
Deposit HK$22.71M · loan HK$34.07M · min. income ≈ HK$364,412/mo (50% DSR)
Upfront cash ≈ HK$25.13M (deposit + AVD stamp duty HK$2,413,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,285
−HK$11,368/mo
▼ 0.25% · 3.875%
HK$186,924
−HK$5,729/mo
Today · 4.125%
HK$192,653
baseline
▲ 0.50% · 4.625%
HK$204,376
+HK$11,723/mo
Deposit HK$17.04M · loan HK$39.75M · min. income ≈ HK$385,306/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$2,413,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,678
−HK$10,896/mo
▼ 0.25% · 3.875%
HK$207,087
−HK$5,487/mo
Today · 4.125%
HK$212,574
baseline
▲ 0.50% · 4.625%
HK$223,779
+HK$11,205/mo
Deposit HK$17.04M · loan HK$39.75M · min. income ≈ HK$425,148/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$2,413,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,081
−HK$14,616/mo
▼ 0.25% · 3.875%
HK$240,331
−HK$7,366/mo
Today · 4.125%
HK$247,697
baseline
▲ 0.50% · 4.625%
HK$262,769
+HK$15,072/mo
Deposit HK$5.68M · loan HK$51.11M · min. income ≈ HK$495,394/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$2,413,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,300
−HK$14,009/mo
▼ 0.25% · 3.875%
HK$266,254
−HK$7,055/mo
Today · 4.125%
HK$273,309
baseline
▲ 0.50% · 4.625%
HK$287,716
+HK$14,407/mo
Deposit HK$5.68M · loan HK$51.11M · min. income ≈ HK$546,618/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$2,413,455 · Scale 2, in force from 26 Feb 2026)