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$132,274
−HK$8,295/mo
▼ 0.25% · 3.875%
HK$136,389
−HK$4,180/mo
Today · 4.125%
HK$140,569
baseline
▲ 0.50% · 4.625%
HK$149,123
+HK$8,554/mo
Deposit HK$29.00M · loan HK$29.00M · min. income ≈ HK$281,138/mo (50% DSR)
Upfront cash ≈ HK$31.47M (deposit + AVD stamp duty HK$2,465,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,154
−HK$7,950/mo
▼ 0.25% · 3.875%
HK$151,101
−HK$4,003/mo
Today · 4.125%
HK$155,104
baseline
▲ 0.50% · 4.625%
HK$163,280
+HK$8,176/mo
Deposit HK$29.00M · loan HK$29.00M · min. income ≈ HK$310,208/mo (50% DSR)
Upfront cash ≈ HK$31.47M (deposit + AVD stamp duty HK$2,465,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,729
−HK$9,954/mo
▼ 0.25% · 3.875%
HK$163,667
−HK$5,016/mo
Today · 4.125%
HK$168,683
baseline
▲ 0.50% · 4.625%
HK$178,947
+HK$10,264/mo
Deposit HK$23.20M · loan HK$34.81M · min. income ≈ HK$337,366/mo (50% DSR)
Upfront cash ≈ HK$25.67M (deposit + AVD stamp duty HK$2,465,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,585
−HK$9,540/mo
▼ 0.25% · 3.875%
HK$181,321
−HK$4,804/mo
Today · 4.125%
HK$186,125
baseline
▲ 0.50% · 4.625%
HK$195,936
+HK$9,811/mo
Deposit HK$23.20M · loan HK$34.81M · min. income ≈ HK$372,250/mo (50% DSR)
Upfront cash ≈ HK$25.67M (deposit + AVD stamp duty HK$2,465,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,184
−HK$11,613/mo
▼ 0.25% · 3.875%
HK$190,945
−HK$5,852/mo
Today · 4.125%
HK$196,797
baseline
▲ 0.50% · 4.625%
HK$208,772
+HK$11,975/mo
Deposit HK$17.40M · loan HK$40.61M · min. income ≈ HK$393,594/mo (50% DSR)
Upfront cash ≈ HK$19.87M (deposit + AVD stamp duty HK$2,465,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,016
−HK$11,130/mo
▼ 0.25% · 3.875%
HK$211,541
−HK$5,605/mo
Today · 4.125%
HK$217,146
baseline
▲ 0.50% · 4.625%
HK$228,592
+HK$11,446/mo
Deposit HK$17.40M · loan HK$40.61M · min. income ≈ HK$434,292/mo (50% DSR)
Upfront cash ≈ HK$19.87M (deposit + AVD stamp duty HK$2,465,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,094
−HK$14,931/mo
▼ 0.25% · 3.875%
HK$245,500
−HK$7,525/mo
Today · 4.125%
HK$253,025
baseline
▲ 0.50% · 4.625%
HK$268,421
+HK$15,396/mo
Deposit HK$5.80M · loan HK$52.21M · min. income ≈ HK$506,050/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$2,465,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,877
−HK$14,311/mo
▼ 0.25% · 3.875%
HK$271,981
−HK$7,207/mo
Today · 4.125%
HK$279,188
baseline
▲ 0.50% · 4.625%
HK$293,904
+HK$14,716/mo
Deposit HK$5.80M · loan HK$52.21M · min. income ≈ HK$558,376/mo (50% DSR)
Upfront cash ≈ HK$8.27M (deposit + AVD stamp duty HK$2,465,366 · Scale 2, in force from 26 Feb 2026)