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$129,689
−HK$8,133/mo
▼ 0.25% · 3.875%
HK$133,724
−HK$4,098/mo
Today · 4.125%
HK$137,822
baseline
▲ 0.50% · 4.625%
HK$146,208
+HK$8,386/mo
Deposit HK$28.44M · loan HK$28.44M · min. income ≈ HK$275,644/mo (50% DSR)
Upfront cash ≈ HK$30.85M (deposit + AVD stamp duty HK$2,417,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,278
−HK$7,795/mo
▼ 0.25% · 3.875%
HK$148,148
−HK$3,925/mo
Today · 4.125%
HK$152,073
baseline
▲ 0.50% · 4.625%
HK$160,089
+HK$8,016/mo
Deposit HK$28.44M · loan HK$28.44M · min. income ≈ HK$304,146/mo (50% DSR)
Upfront cash ≈ HK$30.85M (deposit + AVD stamp duty HK$2,417,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,627
−HK$9,760/mo
▼ 0.25% · 3.875%
HK$160,468
−HK$4,919/mo
Today · 4.125%
HK$165,387
baseline
▲ 0.50% · 4.625%
HK$175,450
+HK$10,063/mo
Deposit HK$22.75M · loan HK$34.12M · min. income ≈ HK$330,774/mo (50% DSR)
Upfront cash ≈ HK$25.17M (deposit + AVD stamp duty HK$2,417,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,134
−HK$9,354/mo
▼ 0.25% · 3.875%
HK$177,777
−HK$4,711/mo
Today · 4.125%
HK$182,488
baseline
▲ 0.50% · 4.625%
HK$192,107
+HK$9,619/mo
Deposit HK$22.75M · loan HK$34.12M · min. income ≈ HK$364,976/mo (50% DSR)
Upfront cash ≈ HK$25.17M (deposit + AVD stamp duty HK$2,417,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,565
−HK$11,386/mo
▼ 0.25% · 3.875%
HK$187,213
−HK$5,738/mo
Today · 4.125%
HK$192,951
baseline
▲ 0.50% · 4.625%
HK$204,692
+HK$11,741/mo
Deposit HK$17.06M · loan HK$39.81M · min. income ≈ HK$385,902/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$2,417,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,989
−HK$10,913/mo
▼ 0.25% · 3.875%
HK$207,407
−HK$5,495/mo
Today · 4.125%
HK$212,902
baseline
▲ 0.50% · 4.625%
HK$224,125
+HK$11,223/mo
Deposit HK$17.06M · loan HK$39.81M · min. income ≈ HK$425,804/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$2,417,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,441
−HK$14,639/mo
▼ 0.25% · 3.875%
HK$240,702
−HK$7,378/mo
Today · 4.125%
HK$248,080
baseline
▲ 0.50% · 4.625%
HK$263,175
+HK$15,095/mo
Deposit HK$5.69M · loan HK$51.19M · min. income ≈ HK$496,160/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$2,417,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,701
−HK$14,031/mo
▼ 0.25% · 3.875%
HK$266,666
−HK$7,066/mo
Today · 4.125%
HK$273,732
baseline
▲ 0.50% · 4.625%
HK$288,160
+HK$14,428/mo
Deposit HK$5.69M · loan HK$51.19M · min. income ≈ HK$547,464/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$2,417,185 · Scale 2, in force from 26 Feb 2026)