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$131,644
−HK$8,255/mo
▼ 0.25% · 3.875%
HK$135,739
−HK$4,160/mo
Today · 4.125%
HK$139,899
baseline
▲ 0.50% · 4.625%
HK$148,411
+HK$8,512/mo
Deposit HK$28.87M · loan HK$28.87M · min. income ≈ HK$279,798/mo (50% DSR)
Upfront cash ≈ HK$31.32M (deposit + AVD stamp duty HK$2,453,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,452
−HK$7,913/mo
▼ 0.25% · 3.875%
HK$150,380
−HK$3,985/mo
Today · 4.125%
HK$154,365
baseline
▲ 0.50% · 4.625%
HK$162,501
+HK$8,136/mo
Deposit HK$28.87M · loan HK$28.87M · min. income ≈ HK$308,730/mo (50% DSR)
Upfront cash ≈ HK$31.32M (deposit + AVD stamp duty HK$2,453,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,972
−HK$9,907/mo
▼ 0.25% · 3.875%
HK$162,886
−HK$4,993/mo
Today · 4.125%
HK$167,879
baseline
▲ 0.50% · 4.625%
HK$178,094
+HK$10,215/mo
Deposit HK$23.09M · loan HK$34.64M · min. income ≈ HK$335,758/mo (50% DSR)
Upfront cash ≈ HK$25.55M (deposit + AVD stamp duty HK$2,453,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,743
−HK$9,495/mo
▼ 0.25% · 3.875%
HK$180,456
−HK$4,782/mo
Today · 4.125%
HK$185,238
baseline
▲ 0.50% · 4.625%
HK$195,002
+HK$9,764/mo
Deposit HK$23.09M · loan HK$34.64M · min. income ≈ HK$370,476/mo (50% DSR)
Upfront cash ≈ HK$25.55M (deposit + AVD stamp duty HK$2,453,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,301
−HK$11,557/mo
▼ 0.25% · 3.875%
HK$190,034
−HK$5,824/mo
Today · 4.125%
HK$195,858
baseline
▲ 0.50% · 4.625%
HK$207,776
+HK$11,918/mo
Deposit HK$17.32M · loan HK$40.41M · min. income ≈ HK$391,716/mo (50% DSR)
Upfront cash ≈ HK$19.77M (deposit + AVD stamp duty HK$2,453,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,033
−HK$11,078/mo
▼ 0.25% · 3.875%
HK$210,532
−HK$5,579/mo
Today · 4.125%
HK$216,111
baseline
▲ 0.50% · 4.625%
HK$227,502
+HK$11,391/mo
Deposit HK$17.32M · loan HK$40.41M · min. income ≈ HK$432,222/mo (50% DSR)
Upfront cash ≈ HK$19.77M (deposit + AVD stamp duty HK$2,453,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,959
−HK$14,859/mo
▼ 0.25% · 3.875%
HK$244,329
−HK$7,489/mo
Today · 4.125%
HK$251,818
baseline
▲ 0.50% · 4.625%
HK$267,141
+HK$15,323/mo
Deposit HK$5.77M · loan HK$51.96M · min. income ≈ HK$503,636/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$2,453,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,614
−HK$14,242/mo
▼ 0.25% · 3.875%
HK$270,684
−HK$7,172/mo
Today · 4.125%
HK$277,856
baseline
▲ 0.50% · 4.625%
HK$292,503
+HK$14,647/mo
Deposit HK$5.77M · loan HK$51.96M · min. income ≈ HK$555,712/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$2,453,609 · Scale 2, in force from 26 Feb 2026)