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$129,390
−HK$8,114/mo
▼ 0.25% · 3.875%
HK$133,415
−HK$4,089/mo
Today · 4.125%
HK$137,504
baseline
▲ 0.50% · 4.625%
HK$145,871
+HK$8,367/mo
Deposit HK$28.37M · loan HK$28.37M · min. income ≈ HK$275,008/mo (50% DSR)
Upfront cash ≈ HK$30.78M (deposit + AVD stamp duty HK$2,411,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,945
−HK$7,777/mo
▼ 0.25% · 3.875%
HK$147,805
−HK$3,917/mo
Today · 4.125%
HK$151,722
baseline
▲ 0.50% · 4.625%
HK$159,719
+HK$7,997/mo
Deposit HK$28.37M · loan HK$28.37M · min. income ≈ HK$303,444/mo (50% DSR)
Upfront cash ≈ HK$30.78M (deposit + AVD stamp duty HK$2,411,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,268
−HK$9,736/mo
▼ 0.25% · 3.875%
HK$160,098
−HK$4,906/mo
Today · 4.125%
HK$165,004
baseline
▲ 0.50% · 4.625%
HK$175,045
+HK$10,041/mo
Deposit HK$22.70M · loan HK$34.05M · min. income ≈ HK$330,008/mo (50% DSR)
Upfront cash ≈ HK$25.11M (deposit + AVD stamp duty HK$2,411,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,734
−HK$9,332/mo
▼ 0.25% · 3.875%
HK$177,367
−HK$4,699/mo
Today · 4.125%
HK$182,066
baseline
▲ 0.50% · 4.625%
HK$191,663
+HK$9,597/mo
Deposit HK$22.70M · loan HK$34.05M · min. income ≈ HK$364,132/mo (50% DSR)
Upfront cash ≈ HK$25.11M (deposit + AVD stamp duty HK$2,411,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,146
−HK$11,359/mo
▼ 0.25% · 3.875%
HK$186,780
−HK$5,725/mo
Today · 4.125%
HK$192,505
baseline
▲ 0.50% · 4.625%
HK$204,219
+HK$11,714/mo
Deposit HK$17.02M · loan HK$39.72M · min. income ≈ HK$385,010/mo (50% DSR)
Upfront cash ≈ HK$19.43M (deposit + AVD stamp duty HK$2,411,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,523
−HK$10,888/mo
▼ 0.25% · 3.875%
HK$206,928
−HK$5,483/mo
Today · 4.125%
HK$212,411
baseline
▲ 0.50% · 4.625%
HK$223,607
+HK$11,196/mo
Deposit HK$17.02M · loan HK$39.72M · min. income ≈ HK$424,822/mo (50% DSR)
Upfront cash ≈ HK$19.43M (deposit + AVD stamp duty HK$2,411,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,902
−HK$14,605/mo
▼ 0.25% · 3.875%
HK$240,146
−HK$7,361/mo
Today · 4.125%
HK$247,507
baseline
▲ 0.50% · 4.625%
HK$262,567
+HK$15,060/mo
Deposit HK$5.67M · loan HK$51.07M · min. income ≈ HK$495,014/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$2,411,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,101
−HK$13,998/mo
▼ 0.25% · 3.875%
HK$266,050
−HK$7,049/mo
Today · 4.125%
HK$273,099
baseline
▲ 0.50% · 4.625%
HK$287,495
+HK$14,396/mo
Deposit HK$5.67M · loan HK$51.07M · min. income ≈ HK$546,198/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$2,411,601 · Scale 2, in force from 26 Feb 2026)