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$129,472
−HK$8,119/mo
▼ 0.25% · 3.875%
HK$133,499
−HK$4,092/mo
Today · 4.125%
HK$137,591
baseline
▲ 0.50% · 4.625%
HK$145,963
+HK$8,372/mo
Deposit HK$28.39M · loan HK$28.39M · min. income ≈ HK$275,182/mo (50% DSR)
Upfront cash ≈ HK$30.80M (deposit + AVD stamp duty HK$2,413,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,036
−HK$7,782/mo
▼ 0.25% · 3.875%
HK$147,899
−HK$3,919/mo
Today · 4.125%
HK$151,818
baseline
▲ 0.50% · 4.625%
HK$159,821
+HK$8,003/mo
Deposit HK$28.39M · loan HK$28.39M · min. income ≈ HK$303,636/mo (50% DSR)
Upfront cash ≈ HK$30.80M (deposit + AVD stamp duty HK$2,413,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,366
−HK$9,743/mo
▼ 0.25% · 3.875%
HK$160,199
−HK$4,910/mo
Today · 4.125%
HK$165,109
baseline
▲ 0.50% · 4.625%
HK$175,156
+HK$10,047/mo
Deposit HK$22.71M · loan HK$34.07M · min. income ≈ HK$330,218/mo (50% DSR)
Upfront cash ≈ HK$25.12M (deposit + AVD stamp duty HK$2,413,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,844
−HK$9,338/mo
▼ 0.25% · 3.875%
HK$177,479
−HK$4,703/mo
Today · 4.125%
HK$182,182
baseline
▲ 0.50% · 4.625%
HK$191,785
+HK$9,603/mo
Deposit HK$22.71M · loan HK$34.07M · min. income ≈ HK$364,364/mo (50% DSR)
Upfront cash ≈ HK$25.12M (deposit + AVD stamp duty HK$2,413,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,261
−HK$11,366/mo
▼ 0.25% · 3.875%
HK$186,899
−HK$5,728/mo
Today · 4.125%
HK$192,627
baseline
▲ 0.50% · 4.625%
HK$204,348
+HK$11,721/mo
Deposit HK$17.03M · loan HK$39.75M · min. income ≈ HK$385,254/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$2,413,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,651
−HK$10,894/mo
▼ 0.25% · 3.875%
HK$207,059
−HK$5,486/mo
Today · 4.125%
HK$212,545
baseline
▲ 0.50% · 4.625%
HK$223,749
+HK$11,204/mo
Deposit HK$17.03M · loan HK$39.75M · min. income ≈ HK$425,090/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$2,413,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,050
−HK$14,614/mo
▼ 0.25% · 3.875%
HK$240,299
−HK$7,365/mo
Today · 4.125%
HK$247,664
baseline
▲ 0.50% · 4.625%
HK$262,734
+HK$15,070/mo
Deposit HK$5.68M · loan HK$51.10M · min. income ≈ HK$495,328/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$2,413,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,265
−HK$14,008/mo
▼ 0.25% · 3.875%
HK$266,219
−HK$7,054/mo
Today · 4.125%
HK$273,273
baseline
▲ 0.50% · 4.625%
HK$287,677
+HK$14,404/mo
Deposit HK$5.68M · loan HK$51.10M · min. income ≈ HK$546,546/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$2,413,132 · Scale 2, in force from 26 Feb 2026)