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$132,083
−HK$8,283/mo
▼ 0.25% · 3.875%
HK$136,192
−HK$4,174/mo
Today · 4.125%
HK$140,366
baseline
▲ 0.50% · 4.625%
HK$148,907
+HK$8,541/mo
Deposit HK$28.96M · loan HK$28.96M · min. income ≈ HK$280,732/mo (50% DSR)
Upfront cash ≈ HK$31.42M (deposit + AVD stamp duty HK$2,461,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,941
−HK$7,939/mo
▼ 0.25% · 3.875%
HK$150,882
−HK$3,998/mo
Today · 4.125%
HK$154,880
baseline
▲ 0.50% · 4.625%
HK$163,044
+HK$8,164/mo
Deposit HK$28.96M · loan HK$28.96M · min. income ≈ HK$309,760/mo (50% DSR)
Upfront cash ≈ HK$31.42M (deposit + AVD stamp duty HK$2,461,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,500
−HK$9,939/mo
▼ 0.25% · 3.875%
HK$163,430
−HK$5,009/mo
Today · 4.125%
HK$168,439
baseline
▲ 0.50% · 4.625%
HK$178,689
+HK$10,250/mo
Deposit HK$23.17M · loan HK$34.75M · min. income ≈ HK$336,878/mo (50% DSR)
Upfront cash ≈ HK$25.63M (deposit + AVD stamp duty HK$2,461,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,330
−HK$9,526/mo
▼ 0.25% · 3.875%
HK$181,059
−HK$4,797/mo
Today · 4.125%
HK$185,856
baseline
▲ 0.50% · 4.625%
HK$195,653
+HK$9,797/mo
Deposit HK$23.17M · loan HK$34.75M · min. income ≈ HK$371,712/mo (50% DSR)
Upfront cash ≈ HK$25.63M (deposit + AVD stamp duty HK$2,461,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,917
−HK$11,596/mo
▼ 0.25% · 3.875%
HK$190,669
−HK$5,844/mo
Today · 4.125%
HK$196,513
baseline
▲ 0.50% · 4.625%
HK$208,470
+HK$11,957/mo
Deposit HK$17.38M · loan HK$40.55M · min. income ≈ HK$393,026/mo (50% DSR)
Upfront cash ≈ HK$19.84M (deposit + AVD stamp duty HK$2,461,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,718
−HK$11,114/mo
▼ 0.25% · 3.875%
HK$211,235
−HK$5,597/mo
Today · 4.125%
HK$216,832
baseline
▲ 0.50% · 4.625%
HK$228,262
+HK$11,430/mo
Deposit HK$17.38M · loan HK$40.55M · min. income ≈ HK$433,664/mo (50% DSR)
Upfront cash ≈ HK$19.84M (deposit + AVD stamp duty HK$2,461,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,750
−HK$14,909/mo
▼ 0.25% · 3.875%
HK$245,146
−HK$7,513/mo
Today · 4.125%
HK$252,659
baseline
▲ 0.50% · 4.625%
HK$268,033
+HK$15,374/mo
Deposit HK$5.79M · loan HK$52.13M · min. income ≈ HK$505,318/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$2,461,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,495
−HK$14,290/mo
▼ 0.25% · 3.875%
HK$271,588
−HK$7,197/mo
Today · 4.125%
HK$278,785
baseline
▲ 0.50% · 4.625%
HK$293,480
+HK$14,695/mo
Deposit HK$5.79M · loan HK$52.13M · min. income ≈ HK$557,570/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$2,461,805 · Scale 2, in force from 26 Feb 2026)