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$130,110
−HK$8,159/mo
▼ 0.25% · 3.875%
HK$134,157
−HK$4,112/mo
Today · 4.125%
HK$138,269
baseline
▲ 0.50% · 4.625%
HK$146,682
+HK$8,413/mo
Deposit HK$28.53M · loan HK$28.53M · min. income ≈ HK$276,538/mo (50% DSR)
Upfront cash ≈ HK$30.95M (deposit + AVD stamp duty HK$2,425,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,746
−HK$7,820/mo
▼ 0.25% · 3.875%
HK$148,628
−HK$3,938/mo
Today · 4.125%
HK$152,566
baseline
▲ 0.50% · 4.625%
HK$160,608
+HK$8,042/mo
Deposit HK$28.53M · loan HK$28.53M · min. income ≈ HK$305,132/mo (50% DSR)
Upfront cash ≈ HK$30.95M (deposit + AVD stamp duty HK$2,425,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,131
−HK$9,791/mo
▼ 0.25% · 3.875%
HK$160,988
−HK$4,934/mo
Today · 4.125%
HK$165,922
baseline
▲ 0.50% · 4.625%
HK$176,018
+HK$10,096/mo
Deposit HK$22.82M · loan HK$34.24M · min. income ≈ HK$331,844/mo (50% DSR)
Upfront cash ≈ HK$25.25M (deposit + AVD stamp duty HK$2,425,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,695
−HK$9,384/mo
▼ 0.25% · 3.875%
HK$178,353
−HK$4,726/mo
Today · 4.125%
HK$183,079
baseline
▲ 0.50% · 4.625%
HK$192,729
+HK$9,650/mo
Deposit HK$22.82M · loan HK$34.24M · min. income ≈ HK$366,158/mo (50% DSR)
Upfront cash ≈ HK$25.25M (deposit + AVD stamp duty HK$2,425,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,153
−HK$11,423/mo
▼ 0.25% · 3.875%
HK$187,819
−HK$5,757/mo
Today · 4.125%
HK$193,576
baseline
▲ 0.50% · 4.625%
HK$205,355
+HK$11,779/mo
Deposit HK$17.12M · loan HK$39.94M · min. income ≈ HK$387,152/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$2,425,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,644
−HK$10,948/mo
▼ 0.25% · 3.875%
HK$208,079
−HK$5,513/mo
Today · 4.125%
HK$213,592
baseline
▲ 0.50% · 4.625%
HK$224,851
+HK$11,259/mo
Deposit HK$17.12M · loan HK$39.94M · min. income ≈ HK$427,184/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$2,425,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,197
−HK$14,686/mo
▼ 0.25% · 3.875%
HK$241,482
−HK$7,401/mo
Today · 4.125%
HK$248,883
baseline
▲ 0.50% · 4.625%
HK$264,027
+HK$15,144/mo
Deposit HK$5.71M · loan HK$51.35M · min. income ≈ HK$497,766/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$2,425,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,542
−HK$14,076/mo
▼ 0.25% · 3.875%
HK$267,530
−HK$7,088/mo
Today · 4.125%
HK$274,618
baseline
▲ 0.50% · 4.625%
HK$289,094
+HK$14,476/mo
Deposit HK$5.71M · loan HK$51.35M · min. income ≈ HK$549,236/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$2,425,015 · Scale 2, in force from 26 Feb 2026)