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$131,730
−HK$8,261/mo
▼ 0.25% · 3.875%
HK$135,828
−HK$4,163/mo
Today · 4.125%
HK$139,991
baseline
▲ 0.50% · 4.625%
HK$148,509
+HK$8,518/mo
Deposit HK$28.88M · loan HK$28.88M · min. income ≈ HK$279,982/mo (50% DSR)
Upfront cash ≈ HK$31.34M (deposit + AVD stamp duty HK$2,455,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,549
−HK$7,917/mo
▼ 0.25% · 3.875%
HK$150,479
−HK$3,987/mo
Today · 4.125%
HK$154,466
baseline
▲ 0.50% · 4.625%
HK$162,608
+HK$8,142/mo
Deposit HK$28.88M · loan HK$28.88M · min. income ≈ HK$308,932/mo (50% DSR)
Upfront cash ≈ HK$31.34M (deposit + AVD stamp duty HK$2,455,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,076
−HK$9,913/mo
▼ 0.25% · 3.875%
HK$162,993
−HK$4,996/mo
Today · 4.125%
HK$167,989
baseline
▲ 0.50% · 4.625%
HK$178,211
+HK$10,222/mo
Deposit HK$23.11M · loan HK$34.66M · min. income ≈ HK$335,978/mo (50% DSR)
Upfront cash ≈ HK$25.56M (deposit + AVD stamp duty HK$2,455,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,858
−HK$9,501/mo
▼ 0.25% · 3.875%
HK$180,575
−HK$4,784/mo
Today · 4.125%
HK$185,359
baseline
▲ 0.50% · 4.625%
HK$195,130
+HK$9,771/mo
Deposit HK$23.11M · loan HK$34.66M · min. income ≈ HK$370,718/mo (50% DSR)
Upfront cash ≈ HK$25.56M (deposit + AVD stamp duty HK$2,455,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,422
−HK$11,565/mo
▼ 0.25% · 3.875%
HK$190,159
−HK$5,828/mo
Today · 4.125%
HK$195,987
baseline
▲ 0.50% · 4.625%
HK$207,913
+HK$11,926/mo
Deposit HK$17.33M · loan HK$40.44M · min. income ≈ HK$391,974/mo (50% DSR)
Upfront cash ≈ HK$19.79M (deposit + AVD stamp duty HK$2,455,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,168
−HK$11,085/mo
▼ 0.25% · 3.875%
HK$210,671
−HK$5,582/mo
Today · 4.125%
HK$216,253
baseline
▲ 0.50% · 4.625%
HK$227,652
+HK$11,399/mo
Deposit HK$17.33M · loan HK$40.44M · min. income ≈ HK$432,506/mo (50% DSR)
Upfront cash ≈ HK$19.79M (deposit + AVD stamp duty HK$2,455,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,115
−HK$14,869/mo
▼ 0.25% · 3.875%
HK$244,490
−HK$7,494/mo
Today · 4.125%
HK$251,984
baseline
▲ 0.50% · 4.625%
HK$267,316
+HK$15,332/mo
Deposit HK$5.78M · loan HK$51.99M · min. income ≈ HK$503,968/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$2,455,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,788
−HK$14,251/mo
▼ 0.25% · 3.875%
HK$270,862
−HK$7,177/mo
Today · 4.125%
HK$278,039
baseline
▲ 0.50% · 4.625%
HK$292,695
+HK$14,656/mo
Deposit HK$5.78M · loan HK$51.99M · min. income ≈ HK$556,078/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$2,455,223 · Scale 2, in force from 26 Feb 2026)