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$129,562
−HK$8,125/mo
▼ 0.25% · 3.875%
HK$133,592
−HK$4,095/mo
Today · 4.125%
HK$137,687
baseline
▲ 0.50% · 4.625%
HK$146,065
+HK$8,378/mo
Deposit HK$28.41M · loan HK$28.41M · min. income ≈ HK$275,374/mo (50% DSR)
Upfront cash ≈ HK$30.82M (deposit + AVD stamp duty HK$2,414,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,137
−HK$7,787/mo
▼ 0.25% · 3.875%
HK$148,002
−HK$3,922/mo
Today · 4.125%
HK$151,924
baseline
▲ 0.50% · 4.625%
HK$159,932
+HK$8,008/mo
Deposit HK$28.41M · loan HK$28.41M · min. income ≈ HK$303,848/mo (50% DSR)
Upfront cash ≈ HK$30.82M (deposit + AVD stamp duty HK$2,414,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,475
−HK$9,749/mo
▼ 0.25% · 3.875%
HK$160,311
−HK$4,913/mo
Today · 4.125%
HK$165,224
baseline
▲ 0.50% · 4.625%
HK$175,278
+HK$10,054/mo
Deposit HK$22.73M · loan HK$34.09M · min. income ≈ HK$330,448/mo (50% DSR)
Upfront cash ≈ HK$25.14M (deposit + AVD stamp duty HK$2,414,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,964
−HK$9,345/mo
▼ 0.25% · 3.875%
HK$177,603
−HK$4,706/mo
Today · 4.125%
HK$182,309
baseline
▲ 0.50% · 4.625%
HK$191,919
+HK$9,610/mo
Deposit HK$22.73M · loan HK$34.09M · min. income ≈ HK$364,618/mo (50% DSR)
Upfront cash ≈ HK$25.14M (deposit + AVD stamp duty HK$2,414,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,387
−HK$11,375/mo
▼ 0.25% · 3.875%
HK$187,029
−HK$5,733/mo
Today · 4.125%
HK$192,762
baseline
▲ 0.50% · 4.625%
HK$204,491
+HK$11,729/mo
Deposit HK$17.05M · loan HK$39.77M · min. income ≈ HK$385,524/mo (50% DSR)
Upfront cash ≈ HK$19.46M (deposit + AVD stamp duty HK$2,414,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,791
−HK$10,903/mo
▼ 0.25% · 3.875%
HK$207,203
−HK$5,491/mo
Today · 4.125%
HK$212,694
baseline
▲ 0.50% · 4.625%
HK$223,905
+HK$11,211/mo
Deposit HK$17.05M · loan HK$39.77M · min. income ≈ HK$425,388/mo (50% DSR)
Upfront cash ≈ HK$19.46M (deposit + AVD stamp duty HK$2,414,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,212
−HK$14,625/mo
▼ 0.25% · 3.875%
HK$240,466
−HK$7,371/mo
Today · 4.125%
HK$247,837
baseline
▲ 0.50% · 4.625%
HK$262,917
+HK$15,080/mo
Deposit HK$5.68M · loan HK$51.14M · min. income ≈ HK$495,674/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$2,414,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,446
−HK$14,017/mo
▼ 0.25% · 3.875%
HK$266,404
−HK$7,059/mo
Today · 4.125%
HK$273,463
baseline
▲ 0.50% · 4.625%
HK$287,878
+HK$14,415/mo
Deposit HK$5.68M · loan HK$51.14M · min. income ≈ HK$546,926/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$2,414,815 · Scale 2, in force from 26 Feb 2026)