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$130,673
−HK$8,194/mo
▼ 0.25% · 3.875%
HK$134,738
−HK$4,129/mo
Today · 4.125%
HK$138,867
baseline
▲ 0.50% · 4.625%
HK$147,317
+HK$8,450/mo
Deposit HK$28.65M · loan HK$28.65M · min. income ≈ HK$277,734/mo (50% DSR)
Upfront cash ≈ HK$31.09M (deposit + AVD stamp duty HK$2,435,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,372
−HK$7,854/mo
▼ 0.25% · 3.875%
HK$149,271
−HK$3,955/mo
Today · 4.125%
HK$153,226
baseline
▲ 0.50% · 4.625%
HK$161,303
+HK$8,077/mo
Deposit HK$28.65M · loan HK$28.65M · min. income ≈ HK$306,452/mo (50% DSR)
Upfront cash ≈ HK$31.09M (deposit + AVD stamp duty HK$2,435,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,808
−HK$9,833/mo
▼ 0.25% · 3.875%
HK$161,685
−HK$4,956/mo
Today · 4.125%
HK$166,641
baseline
▲ 0.50% · 4.625%
HK$176,780
+HK$10,139/mo
Deposit HK$22.92M · loan HK$34.38M · min. income ≈ HK$333,282/mo (50% DSR)
Upfront cash ≈ HK$25.36M (deposit + AVD stamp duty HK$2,435,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,447
−HK$9,425/mo
▼ 0.25% · 3.875%
HK$179,125
−HK$4,747/mo
Today · 4.125%
HK$183,872
baseline
▲ 0.50% · 4.625%
HK$193,564
+HK$9,692/mo
Deposit HK$22.92M · loan HK$34.38M · min. income ≈ HK$367,744/mo (50% DSR)
Upfront cash ≈ HK$25.36M (deposit + AVD stamp duty HK$2,435,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,942
−HK$11,472/mo
▼ 0.25% · 3.875%
HK$188,633
−HK$5,781/mo
Today · 4.125%
HK$194,414
baseline
▲ 0.50% · 4.625%
HK$206,244
+HK$11,830/mo
Deposit HK$17.19M · loan HK$40.11M · min. income ≈ HK$388,828/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$2,435,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,521
−HK$10,996/mo
▼ 0.25% · 3.875%
HK$208,980
−HK$5,537/mo
Today · 4.125%
HK$214,517
baseline
▲ 0.50% · 4.625%
HK$225,824
+HK$11,307/mo
Deposit HK$17.19M · loan HK$40.11M · min. income ≈ HK$429,034/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$2,435,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,211
−HK$14,750/mo
▼ 0.25% · 3.875%
HK$242,528
−HK$7,433/mo
Today · 4.125%
HK$249,961
baseline
▲ 0.50% · 4.625%
HK$265,171
+HK$15,210/mo
Deposit HK$5.73M · loan HK$51.58M · min. income ≈ HK$499,922/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$2,435,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,670
−HK$14,137/mo
▼ 0.25% · 3.875%
HK$268,688
−HK$7,119/mo
Today · 4.125%
HK$275,807
baseline
▲ 0.50% · 4.625%
HK$290,346
+HK$14,539/mo
Deposit HK$5.73M · loan HK$51.58M · min. income ≈ HK$551,614/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$2,435,516 · Scale 2, in force from 26 Feb 2026)