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$129,615
−HK$8,128/mo
▼ 0.25% · 3.875%
HK$133,647
−HK$4,096/mo
Today · 4.125%
HK$137,743
baseline
▲ 0.50% · 4.625%
HK$146,124
+HK$8,381/mo
Deposit HK$28.42M · loan HK$28.42M · min. income ≈ HK$275,486/mo (50% DSR)
Upfront cash ≈ HK$30.84M (deposit + AVD stamp duty HK$2,415,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,195
−HK$7,791/mo
▼ 0.25% · 3.875%
HK$148,063
−HK$3,923/mo
Today · 4.125%
HK$151,986
baseline
▲ 0.50% · 4.625%
HK$159,997
+HK$8,011/mo
Deposit HK$28.42M · loan HK$28.42M · min. income ≈ HK$303,972/mo (50% DSR)
Upfront cash ≈ HK$30.84M (deposit + AVD stamp duty HK$2,415,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,538
−HK$9,754/mo
▼ 0.25% · 3.875%
HK$160,376
−HK$4,916/mo
Today · 4.125%
HK$165,292
baseline
▲ 0.50% · 4.625%
HK$175,349
+HK$10,057/mo
Deposit HK$22.74M · loan HK$34.11M · min. income ≈ HK$330,584/mo (50% DSR)
Upfront cash ≈ HK$25.15M (deposit + AVD stamp duty HK$2,415,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,034
−HK$9,349/mo
▼ 0.25% · 3.875%
HK$177,675
−HK$4,708/mo
Today · 4.125%
HK$182,383
baseline
▲ 0.50% · 4.625%
HK$191,997
+HK$9,614/mo
Deposit HK$22.74M · loan HK$34.11M · min. income ≈ HK$364,766/mo (50% DSR)
Upfront cash ≈ HK$25.15M (deposit + AVD stamp duty HK$2,415,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,461
−HK$11,379/mo
▼ 0.25% · 3.875%
HK$187,105
−HK$5,735/mo
Today · 4.125%
HK$192,840
baseline
▲ 0.50% · 4.625%
HK$204,574
+HK$11,734/mo
Deposit HK$17.05M · loan HK$39.79M · min. income ≈ HK$385,680/mo (50% DSR)
Upfront cash ≈ HK$19.47M (deposit + AVD stamp duty HK$2,415,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,873
−HK$10,907/mo
▼ 0.25% · 3.875%
HK$207,288
−HK$5,492/mo
Today · 4.125%
HK$212,780
baseline
▲ 0.50% · 4.625%
HK$223,996
+HK$11,216/mo
Deposit HK$17.05M · loan HK$39.79M · min. income ≈ HK$425,560/mo (50% DSR)
Upfront cash ≈ HK$19.47M (deposit + AVD stamp duty HK$2,415,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,307
−HK$14,630/mo
▼ 0.25% · 3.875%
HK$240,564
−HK$7,373/mo
Today · 4.125%
HK$247,937
baseline
▲ 0.50% · 4.625%
HK$263,024
+HK$15,087/mo
Deposit HK$5.68M · loan HK$51.16M · min. income ≈ HK$495,874/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$2,415,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,552
−HK$14,022/mo
▼ 0.25% · 3.875%
HK$266,513
−HK$7,061/mo
Today · 4.125%
HK$273,574
baseline
▲ 0.50% · 4.625%
HK$287,995
+HK$14,421/mo
Deposit HK$5.68M · loan HK$51.16M · min. income ≈ HK$547,148/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$2,415,797 · Scale 2, in force from 26 Feb 2026)