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$129,352
−HK$8,112/mo
▼ 0.25% · 3.875%
HK$133,376
−HK$4,088/mo
Today · 4.125%
HK$137,464
baseline
▲ 0.50% · 4.625%
HK$145,828
+HK$8,364/mo
Deposit HK$28.36M · loan HK$28.36M · min. income ≈ HK$274,928/mo (50% DSR)
Upfront cash ≈ HK$30.77M (deposit + AVD stamp duty HK$2,410,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,903
−HK$7,775/mo
▼ 0.25% · 3.875%
HK$147,763
−HK$3,915/mo
Today · 4.125%
HK$151,678
baseline
▲ 0.50% · 4.625%
HK$159,673
+HK$7,995/mo
Deposit HK$28.36M · loan HK$28.36M · min. income ≈ HK$303,356/mo (50% DSR)
Upfront cash ≈ HK$30.77M (deposit + AVD stamp duty HK$2,410,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,223
−HK$9,734/mo
▼ 0.25% · 3.875%
HK$160,051
−HK$4,906/mo
Today · 4.125%
HK$164,957
baseline
▲ 0.50% · 4.625%
HK$174,994
+HK$10,037/mo
Deposit HK$22.69M · loan HK$34.04M · min. income ≈ HK$329,914/mo (50% DSR)
Upfront cash ≈ HK$25.10M (deposit + AVD stamp duty HK$2,410,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,684
−HK$9,329/mo
▼ 0.25% · 3.875%
HK$177,315
−HK$4,698/mo
Today · 4.125%
HK$182,013
baseline
▲ 0.50% · 4.625%
HK$191,608
+HK$9,595/mo
Deposit HK$22.69M · loan HK$34.04M · min. income ≈ HK$364,026/mo (50% DSR)
Upfront cash ≈ HK$25.10M (deposit + AVD stamp duty HK$2,410,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,093
−HK$11,356/mo
▼ 0.25% · 3.875%
HK$186,726
−HK$5,723/mo
Today · 4.125%
HK$192,449
baseline
▲ 0.50% · 4.625%
HK$204,159
+HK$11,710/mo
Deposit HK$17.02M · loan HK$39.71M · min. income ≈ HK$384,898/mo (50% DSR)
Upfront cash ≈ HK$19.43M (deposit + AVD stamp duty HK$2,410,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,464
−HK$10,885/mo
▼ 0.25% · 3.875%
HK$206,868
−HK$5,481/mo
Today · 4.125%
HK$212,349
baseline
▲ 0.50% · 4.625%
HK$223,542
+HK$11,193/mo
Deposit HK$17.02M · loan HK$39.71M · min. income ≈ HK$424,698/mo (50% DSR)
Upfront cash ≈ HK$19.43M (deposit + AVD stamp duty HK$2,410,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,834
−HK$14,601/mo
▼ 0.25% · 3.875%
HK$240,077
−HK$7,358/mo
Today · 4.125%
HK$247,435
baseline
▲ 0.50% · 4.625%
HK$262,491
+HK$15,056/mo
Deposit HK$5.67M · loan HK$51.05M · min. income ≈ HK$494,870/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$2,410,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,026
−HK$13,994/mo
▼ 0.25% · 3.875%
HK$265,973
−HK$7,047/mo
Today · 4.125%
HK$273,020
baseline
▲ 0.50% · 4.625%
HK$287,411
+HK$14,391/mo
Deposit HK$5.67M · loan HK$51.05M · min. income ≈ HK$546,040/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$2,410,902 · Scale 2, in force from 26 Feb 2026)