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$129,122
−HK$8,097/mo
▼ 0.25% · 3.875%
HK$133,139
−HK$4,080/mo
Today · 4.125%
HK$137,219
baseline
▲ 0.50% · 4.625%
HK$145,569
+HK$8,350/mo
Deposit HK$28.31M · loan HK$28.31M · min. income ≈ HK$274,438/mo (50% DSR)
Upfront cash ≈ HK$30.72M (deposit + AVD stamp duty HK$2,406,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,647
−HK$7,761/mo
▼ 0.25% · 3.875%
HK$147,500
−HK$3,908/mo
Today · 4.125%
HK$151,408
baseline
▲ 0.50% · 4.625%
HK$159,389
+HK$7,981/mo
Deposit HK$28.31M · loan HK$28.31M · min. income ≈ HK$302,816/mo (50% DSR)
Upfront cash ≈ HK$30.72M (deposit + AVD stamp duty HK$2,406,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,947
−HK$9,716/mo
▼ 0.25% · 3.875%
HK$159,766
−HK$4,897/mo
Today · 4.125%
HK$164,663
baseline
▲ 0.50% · 4.625%
HK$174,683
+HK$10,020/mo
Deposit HK$22.65M · loan HK$33.98M · min. income ≈ HK$329,326/mo (50% DSR)
Upfront cash ≈ HK$25.06M (deposit + AVD stamp duty HK$2,406,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,377
−HK$9,313/mo
▼ 0.25% · 3.875%
HK$177,000
−HK$4,690/mo
Today · 4.125%
HK$181,690
baseline
▲ 0.50% · 4.625%
HK$191,267
+HK$9,577/mo
Deposit HK$22.65M · loan HK$33.98M · min. income ≈ HK$363,380/mo (50% DSR)
Upfront cash ≈ HK$25.06M (deposit + AVD stamp duty HK$2,406,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,771
−HK$11,336/mo
▼ 0.25% · 3.875%
HK$186,394
−HK$5,713/mo
Today · 4.125%
HK$192,107
baseline
▲ 0.50% · 4.625%
HK$203,796
+HK$11,689/mo
Deposit HK$16.99M · loan HK$39.64M · min. income ≈ HK$384,214/mo (50% DSR)
Upfront cash ≈ HK$19.39M (deposit + AVD stamp duty HK$2,406,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,106
−HK$10,865/mo
▼ 0.25% · 3.875%
HK$206,500
−HK$5,471/mo
Today · 4.125%
HK$211,971
baseline
▲ 0.50% · 4.625%
HK$223,144
+HK$11,173/mo
Deposit HK$16.99M · loan HK$39.64M · min. income ≈ HK$423,942/mo (50% DSR)
Upfront cash ≈ HK$19.39M (deposit + AVD stamp duty HK$2,406,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,420
−HK$14,575/mo
▼ 0.25% · 3.875%
HK$239,650
−HK$7,345/mo
Today · 4.125%
HK$246,995
baseline
▲ 0.50% · 4.625%
HK$262,024
+HK$15,029/mo
Deposit HK$5.66M · loan HK$50.96M · min. income ≈ HK$493,990/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$2,406,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,565
−HK$13,969/mo
▼ 0.25% · 3.875%
HK$265,499
−HK$7,035/mo
Today · 4.125%
HK$272,534
baseline
▲ 0.50% · 4.625%
HK$286,900
+HK$14,366/mo
Deposit HK$5.66M · loan HK$50.96M · min. income ≈ HK$545,068/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$2,406,613 · Scale 2, in force from 26 Feb 2026)