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$131,820
−HK$8,267/mo
▼ 0.25% · 3.875%
HK$135,921
−HK$4,166/mo
Today · 4.125%
HK$140,087
baseline
▲ 0.50% · 4.625%
HK$148,611
+HK$8,524/mo
Deposit HK$28.90M · loan HK$28.90M · min. income ≈ HK$280,174/mo (50% DSR)
Upfront cash ≈ HK$31.36M (deposit + AVD stamp duty HK$2,456,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,649
−HK$7,923/mo
▼ 0.25% · 3.875%
HK$150,582
−HK$3,990/mo
Today · 4.125%
HK$154,572
baseline
▲ 0.50% · 4.625%
HK$162,719
+HK$8,147/mo
Deposit HK$28.90M · loan HK$28.90M · min. income ≈ HK$309,144/mo (50% DSR)
Upfront cash ≈ HK$31.36M (deposit + AVD stamp duty HK$2,456,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,184
−HK$9,920/mo
▼ 0.25% · 3.875%
HK$163,105
−HK$4,999/mo
Today · 4.125%
HK$168,104
baseline
▲ 0.50% · 4.625%
HK$178,333
+HK$10,229/mo
Deposit HK$23.12M · loan HK$34.69M · min. income ≈ HK$336,208/mo (50% DSR)
Upfront cash ≈ HK$25.58M (deposit + AVD stamp duty HK$2,456,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,979
−HK$9,507/mo
▼ 0.25% · 3.875%
HK$180,698
−HK$4,788/mo
Today · 4.125%
HK$185,486
baseline
▲ 0.50% · 4.625%
HK$195,263
+HK$9,777/mo
Deposit HK$23.12M · loan HK$34.69M · min. income ≈ HK$370,972/mo (50% DSR)
Upfront cash ≈ HK$25.58M (deposit + AVD stamp duty HK$2,456,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,548
−HK$11,573/mo
▼ 0.25% · 3.875%
HK$190,289
−HK$5,832/mo
Today · 4.125%
HK$196,121
baseline
▲ 0.50% · 4.625%
HK$208,055
+HK$11,934/mo
Deposit HK$17.34M · loan HK$40.47M · min. income ≈ HK$392,242/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$2,456,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,308
−HK$11,093/mo
▼ 0.25% · 3.875%
HK$210,815
−HK$5,586/mo
Today · 4.125%
HK$216,401
baseline
▲ 0.50% · 4.625%
HK$227,807
+HK$11,406/mo
Deposit HK$17.34M · loan HK$40.47M · min. income ≈ HK$432,802/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$2,456,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,277
−HK$14,879/mo
▼ 0.25% · 3.875%
HK$244,657
−HK$7,499/mo
Today · 4.125%
HK$252,156
baseline
▲ 0.50% · 4.625%
HK$267,499
+HK$15,343/mo
Deposit HK$5.78M · loan HK$52.03M · min. income ≈ HK$504,312/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$2,456,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,968
−HK$14,261/mo
▼ 0.25% · 3.875%
HK$271,047
−HK$7,182/mo
Today · 4.125%
HK$278,229
baseline
▲ 0.50% · 4.625%
HK$292,895
+HK$14,666/mo
Deposit HK$5.78M · loan HK$52.03M · min. income ≈ HK$556,458/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$2,456,902 · Scale 2, in force from 26 Feb 2026)