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$129,608
−HK$8,128/mo
▼ 0.25% · 3.875%
HK$133,640
−HK$4,096/mo
Today · 4.125%
HK$137,736
baseline
▲ 0.50% · 4.625%
HK$146,117
+HK$8,381/mo
Deposit HK$28.42M · loan HK$28.42M · min. income ≈ HK$275,472/mo (50% DSR)
Upfront cash ≈ HK$30.84M (deposit + AVD stamp duty HK$2,415,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,188
−HK$7,790/mo
▼ 0.25% · 3.875%
HK$148,055
−HK$3,923/mo
Today · 4.125%
HK$151,978
baseline
▲ 0.50% · 4.625%
HK$159,989
+HK$8,011/mo
Deposit HK$28.42M · loan HK$28.42M · min. income ≈ HK$303,956/mo (50% DSR)
Upfront cash ≈ HK$30.84M (deposit + AVD stamp duty HK$2,415,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,530
−HK$9,753/mo
▼ 0.25% · 3.875%
HK$160,368
−HK$4,915/mo
Today · 4.125%
HK$165,283
baseline
▲ 0.50% · 4.625%
HK$175,340
+HK$10,057/mo
Deposit HK$22.74M · loan HK$34.10M · min. income ≈ HK$330,566/mo (50% DSR)
Upfront cash ≈ HK$25.15M (deposit + AVD stamp duty HK$2,415,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,025
−HK$9,348/mo
▼ 0.25% · 3.875%
HK$177,666
−HK$4,707/mo
Today · 4.125%
HK$182,373
baseline
▲ 0.50% · 4.625%
HK$191,987
+HK$9,614/mo
Deposit HK$22.74M · loan HK$34.10M · min. income ≈ HK$364,746/mo (50% DSR)
Upfront cash ≈ HK$25.15M (deposit + AVD stamp duty HK$2,415,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,452
−HK$11,378/mo
▼ 0.25% · 3.875%
HK$187,096
−HK$5,734/mo
Today · 4.125%
HK$192,830
baseline
▲ 0.50% · 4.625%
HK$204,563
+HK$11,733/mo
Deposit HK$17.05M · loan HK$39.79M · min. income ≈ HK$385,660/mo (50% DSR)
Upfront cash ≈ HK$19.47M (deposit + AVD stamp duty HK$2,415,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,863
−HK$10,906/mo
▼ 0.25% · 3.875%
HK$207,277
−HK$5,492/mo
Today · 4.125%
HK$212,769
baseline
▲ 0.50% · 4.625%
HK$223,984
+HK$11,215/mo
Deposit HK$17.05M · loan HK$39.79M · min. income ≈ HK$425,538/mo (50% DSR)
Upfront cash ≈ HK$19.47M (deposit + AVD stamp duty HK$2,415,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,295
−HK$14,629/mo
▼ 0.25% · 3.875%
HK$240,552
−HK$7,372/mo
Today · 4.125%
HK$247,924
baseline
▲ 0.50% · 4.625%
HK$263,010
+HK$15,086/mo
Deposit HK$5.68M · loan HK$51.16M · min. income ≈ HK$495,848/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$2,415,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,538
−HK$14,022/mo
▼ 0.25% · 3.875%
HK$266,499
−HK$7,061/mo
Today · 4.125%
HK$273,560
baseline
▲ 0.50% · 4.625%
HK$287,980
+HK$14,420/mo
Deposit HK$5.68M · loan HK$51.16M · min. income ≈ HK$547,120/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$2,415,672 · Scale 2, in force from 26 Feb 2026)