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$130,292
−HK$8,170/mo
▼ 0.25% · 3.875%
HK$134,344
−HK$4,118/mo
Today · 4.125%
HK$138,462
baseline
▲ 0.50% · 4.625%
HK$146,887
+HK$8,425/mo
Deposit HK$28.57M · loan HK$28.57M · min. income ≈ HK$276,924/mo (50% DSR)
Upfront cash ≈ HK$31.00M (deposit + AVD stamp duty HK$2,428,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,948
−HK$7,831/mo
▼ 0.25% · 3.875%
HK$148,836
−HK$3,943/mo
Today · 4.125%
HK$152,779
baseline
▲ 0.50% · 4.625%
HK$160,832
+HK$8,053/mo
Deposit HK$28.57M · loan HK$28.57M · min. income ≈ HK$305,558/mo (50% DSR)
Upfront cash ≈ HK$31.00M (deposit + AVD stamp duty HK$2,428,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,350
−HK$9,805/mo
▼ 0.25% · 3.875%
HK$161,213
−HK$4,942/mo
Today · 4.125%
HK$166,155
baseline
▲ 0.50% · 4.625%
HK$176,265
+HK$10,110/mo
Deposit HK$22.86M · loan HK$34.28M · min. income ≈ HK$332,310/mo (50% DSR)
Upfront cash ≈ HK$25.28M (deposit + AVD stamp duty HK$2,428,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,938
−HK$9,397/mo
▼ 0.25% · 3.875%
HK$178,603
−HK$4,732/mo
Today · 4.125%
HK$183,335
baseline
▲ 0.50% · 4.625%
HK$192,999
+HK$9,664/mo
Deposit HK$22.86M · loan HK$34.28M · min. income ≈ HK$366,670/mo (50% DSR)
Upfront cash ≈ HK$25.28M (deposit + AVD stamp duty HK$2,428,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,408
−HK$11,439/mo
▼ 0.25% · 3.875%
HK$188,082
−HK$5,765/mo
Today · 4.125%
HK$193,847
baseline
▲ 0.50% · 4.625%
HK$205,642
+HK$11,795/mo
Deposit HK$17.14M · loan HK$40.00M · min. income ≈ HK$387,694/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$2,428,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,927
−HK$10,964/mo
▼ 0.25% · 3.875%
HK$208,370
−HK$5,521/mo
Today · 4.125%
HK$213,891
baseline
▲ 0.50% · 4.625%
HK$225,165
+HK$11,274/mo
Deposit HK$17.14M · loan HK$40.00M · min. income ≈ HK$427,782/mo (50% DSR)
Upfront cash ≈ HK$19.57M (deposit + AVD stamp duty HK$2,428,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,525
−HK$14,707/mo
▼ 0.25% · 3.875%
HK$241,820
−HK$7,412/mo
Today · 4.125%
HK$249,232
baseline
▲ 0.50% · 4.625%
HK$264,397
+HK$15,165/mo
Deposit HK$5.71M · loan HK$51.43M · min. income ≈ HK$498,464/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$2,428,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,907
−HK$14,096/mo
▼ 0.25% · 3.875%
HK$267,904
−HK$7,099/mo
Today · 4.125%
HK$275,003
baseline
▲ 0.50% · 4.625%
HK$289,498
+HK$14,495/mo
Deposit HK$5.71M · loan HK$51.43M · min. income ≈ HK$550,006/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$2,428,410 · Scale 2, in force from 26 Feb 2026)