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$129,334
−HK$8,110/mo
▼ 0.25% · 3.875%
HK$133,357
−HK$4,087/mo
Today · 4.125%
HK$137,444
baseline
▲ 0.50% · 4.625%
HK$145,807
+HK$8,363/mo
Deposit HK$28.36M · loan HK$28.36M · min. income ≈ HK$274,888/mo (50% DSR)
Upfront cash ≈ HK$30.77M (deposit + AVD stamp duty HK$2,410,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,882
−HK$7,774/mo
▼ 0.25% · 3.875%
HK$147,741
−HK$3,915/mo
Today · 4.125%
HK$151,656
baseline
▲ 0.50% · 4.625%
HK$159,650
+HK$7,994/mo
Deposit HK$28.36M · loan HK$28.36M · min. income ≈ HK$303,312/mo (50% DSR)
Upfront cash ≈ HK$30.77M (deposit + AVD stamp duty HK$2,410,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,200
−HK$9,733/mo
▼ 0.25% · 3.875%
HK$160,028
−HK$4,905/mo
Today · 4.125%
HK$164,933
baseline
▲ 0.50% · 4.625%
HK$174,969
+HK$10,036/mo
Deposit HK$22.69M · loan HK$34.03M · min. income ≈ HK$329,866/mo (50% DSR)
Upfront cash ≈ HK$25.10M (deposit + AVD stamp duty HK$2,410,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,659
−HK$9,328/mo
▼ 0.25% · 3.875%
HK$177,289
−HK$4,698/mo
Today · 4.125%
HK$181,987
baseline
▲ 0.50% · 4.625%
HK$191,580
+HK$9,593/mo
Deposit HK$22.69M · loan HK$34.03M · min. income ≈ HK$363,974/mo (50% DSR)
Upfront cash ≈ HK$25.10M (deposit + AVD stamp duty HK$2,410,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,067
−HK$11,355/mo
▼ 0.25% · 3.875%
HK$186,699
−HK$5,723/mo
Today · 4.125%
HK$192,422
baseline
▲ 0.50% · 4.625%
HK$204,130
+HK$11,708/mo
Deposit HK$17.02M · loan HK$39.70M · min. income ≈ HK$384,844/mo (50% DSR)
Upfront cash ≈ HK$19.43M (deposit + AVD stamp duty HK$2,410,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,435
−HK$10,883/mo
▼ 0.25% · 3.875%
HK$206,838
−HK$5,480/mo
Today · 4.125%
HK$212,318
baseline
▲ 0.50% · 4.625%
HK$223,510
+HK$11,192/mo
Deposit HK$17.02M · loan HK$39.70M · min. income ≈ HK$424,636/mo (50% DSR)
Upfront cash ≈ HK$19.43M (deposit + AVD stamp duty HK$2,410,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,801
−HK$14,598/mo
▼ 0.25% · 3.875%
HK$240,042
−HK$7,357/mo
Today · 4.125%
HK$247,399
baseline
▲ 0.50% · 4.625%
HK$262,453
+HK$15,054/mo
Deposit HK$5.67M · loan HK$51.05M · min. income ≈ HK$494,798/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$2,410,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,988
−HK$13,993/mo
▼ 0.25% · 3.875%
HK$265,934
−HK$7,047/mo
Today · 4.125%
HK$272,981
baseline
▲ 0.50% · 4.625%
HK$287,370
+HK$14,389/mo
Deposit HK$5.67M · loan HK$51.05M · min. income ≈ HK$545,962/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$2,410,554 · Scale 2, in force from 26 Feb 2026)