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$129,619
−HK$8,129/mo
▼ 0.25% · 3.875%
HK$133,651
−HK$4,097/mo
Today · 4.125%
HK$137,748
baseline
▲ 0.50% · 4.625%
HK$146,129
+HK$8,381/mo
Deposit HK$28.42M · loan HK$28.42M · min. income ≈ HK$275,496/mo (50% DSR)
Upfront cash ≈ HK$30.84M (deposit + AVD stamp duty HK$2,415,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,200
−HK$7,791/mo
▼ 0.25% · 3.875%
HK$148,068
−HK$3,923/mo
Today · 4.125%
HK$151,991
baseline
▲ 0.50% · 4.625%
HK$160,003
+HK$8,012/mo
Deposit HK$28.42M · loan HK$28.42M · min. income ≈ HK$303,982/mo (50% DSR)
Upfront cash ≈ HK$30.84M (deposit + AVD stamp duty HK$2,415,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,543
−HK$9,754/mo
▼ 0.25% · 3.875%
HK$160,382
−HK$4,915/mo
Today · 4.125%
HK$165,297
baseline
▲ 0.50% · 4.625%
HK$175,355
+HK$10,058/mo
Deposit HK$22.74M · loan HK$34.11M · min. income ≈ HK$330,594/mo (50% DSR)
Upfront cash ≈ HK$25.15M (deposit + AVD stamp duty HK$2,415,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,040
−HK$9,349/mo
▼ 0.25% · 3.875%
HK$177,681
−HK$4,708/mo
Today · 4.125%
HK$182,389
baseline
▲ 0.50% · 4.625%
HK$192,003
+HK$9,614/mo
Deposit HK$22.74M · loan HK$34.11M · min. income ≈ HK$364,778/mo (50% DSR)
Upfront cash ≈ HK$25.15M (deposit + AVD stamp duty HK$2,415,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,467
−HK$11,380/mo
▼ 0.25% · 3.875%
HK$187,112
−HK$5,735/mo
Today · 4.125%
HK$192,847
baseline
▲ 0.50% · 4.625%
HK$204,581
+HK$11,734/mo
Deposit HK$17.05M · loan HK$39.79M · min. income ≈ HK$385,694/mo (50% DSR)
Upfront cash ≈ HK$19.47M (deposit + AVD stamp duty HK$2,415,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,881
−HK$10,907/mo
▼ 0.25% · 3.875%
HK$207,295
−HK$5,493/mo
Today · 4.125%
HK$212,788
baseline
▲ 0.50% · 4.625%
HK$224,004
+HK$11,216/mo
Deposit HK$17.05M · loan HK$39.79M · min. income ≈ HK$425,576/mo (50% DSR)
Upfront cash ≈ HK$19.47M (deposit + AVD stamp duty HK$2,415,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,315
−HK$14,631/mo
▼ 0.25% · 3.875%
HK$240,573
−HK$7,373/mo
Today · 4.125%
HK$247,946
baseline
▲ 0.50% · 4.625%
HK$263,033
+HK$15,087/mo
Deposit HK$5.68M · loan HK$51.16M · min. income ≈ HK$495,892/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$2,415,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,561
−HK$14,023/mo
▼ 0.25% · 3.875%
HK$266,522
−HK$7,062/mo
Today · 4.125%
HK$273,584
baseline
▲ 0.50% · 4.625%
HK$288,005
+HK$14,421/mo
Deposit HK$5.68M · loan HK$51.16M · min. income ≈ HK$547,168/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$2,415,882 · Scale 2, in force from 26 Feb 2026)