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$130,306
−HK$8,171/mo
▼ 0.25% · 3.875%
HK$134,359
−HK$4,118/mo
Today · 4.125%
HK$138,477
baseline
▲ 0.50% · 4.625%
HK$146,903
+HK$8,426/mo
Deposit HK$28.57M · loan HK$28.57M · min. income ≈ HK$276,954/mo (50% DSR)
Upfront cash ≈ HK$31.00M (deposit + AVD stamp duty HK$2,428,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,964
−HK$7,832/mo
▼ 0.25% · 3.875%
HK$148,852
−HK$3,944/mo
Today · 4.125%
HK$152,796
baseline
▲ 0.50% · 4.625%
HK$160,850
+HK$8,054/mo
Deposit HK$28.57M · loan HK$28.57M · min. income ≈ HK$305,592/mo (50% DSR)
Upfront cash ≈ HK$31.00M (deposit + AVD stamp duty HK$2,428,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,367
−HK$9,805/mo
▼ 0.25% · 3.875%
HK$161,231
−HK$4,941/mo
Today · 4.125%
HK$166,172
baseline
▲ 0.50% · 4.625%
HK$176,284
+HK$10,112/mo
Deposit HK$22.86M · loan HK$34.29M · min. income ≈ HK$332,344/mo (50% DSR)
Upfront cash ≈ HK$25.29M (deposit + AVD stamp duty HK$2,428,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,957
−HK$9,398/mo
▼ 0.25% · 3.875%
HK$178,622
−HK$4,733/mo
Today · 4.125%
HK$183,355
baseline
▲ 0.50% · 4.625%
HK$193,020
+HK$9,665/mo
Deposit HK$22.86M · loan HK$34.29M · min. income ≈ HK$366,710/mo (50% DSR)
Upfront cash ≈ HK$25.29M (deposit + AVD stamp duty HK$2,428,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,428
−HK$11,440/mo
▼ 0.25% · 3.875%
HK$188,103
−HK$5,765/mo
Today · 4.125%
HK$193,868
baseline
▲ 0.50% · 4.625%
HK$205,664
+HK$11,796/mo
Deposit HK$17.14M · loan HK$40.00M · min. income ≈ HK$387,736/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$2,428,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,949
−HK$10,965/mo
▼ 0.25% · 3.875%
HK$208,392
−HK$5,522/mo
Today · 4.125%
HK$213,914
baseline
▲ 0.50% · 4.625%
HK$225,190
+HK$11,276/mo
Deposit HK$17.14M · loan HK$40.00M · min. income ≈ HK$427,828/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$2,428,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,550
−HK$14,709/mo
▼ 0.25% · 3.875%
HK$241,846
−HK$7,413/mo
Today · 4.125%
HK$249,259
baseline
▲ 0.50% · 4.625%
HK$264,425
+HK$15,166/mo
Deposit HK$5.71M · loan HK$51.43M · min. income ≈ HK$498,518/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$2,428,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,935
−HK$14,097/mo
▼ 0.25% · 3.875%
HK$267,933
−HK$7,099/mo
Today · 4.125%
HK$275,032
baseline
▲ 0.50% · 4.625%
HK$289,530
+HK$14,498/mo
Deposit HK$5.71M · loan HK$51.43M · min. income ≈ HK$550,064/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$2,428,671 · Scale 2, in force from 26 Feb 2026)