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$129,449
−HK$8,118/mo
▼ 0.25% · 3.875%
HK$133,476
−HK$4,091/mo
Today · 4.125%
HK$137,567
baseline
▲ 0.50% · 4.625%
HK$145,938
+HK$8,371/mo
Deposit HK$28.38M · loan HK$28.38M · min. income ≈ HK$275,134/mo (50% DSR)
Upfront cash ≈ HK$30.80M (deposit + AVD stamp duty HK$2,412,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,011
−HK$7,781/mo
▼ 0.25% · 3.875%
HK$147,873
−HK$3,919/mo
Today · 4.125%
HK$151,792
baseline
▲ 0.50% · 4.625%
HK$159,793
+HK$8,001/mo
Deposit HK$28.38M · loan HK$28.38M · min. income ≈ HK$303,584/mo (50% DSR)
Upfront cash ≈ HK$30.80M (deposit + AVD stamp duty HK$2,412,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,339
−HK$9,741/mo
▼ 0.25% · 3.875%
HK$160,171
−HK$4,909/mo
Today · 4.125%
HK$165,080
baseline
▲ 0.50% · 4.625%
HK$175,125
+HK$10,045/mo
Deposit HK$22.71M · loan HK$34.06M · min. income ≈ HK$330,160/mo (50% DSR)
Upfront cash ≈ HK$25.12M (deposit + AVD stamp duty HK$2,412,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,813
−HK$9,337/mo
▼ 0.25% · 3.875%
HK$177,448
−HK$4,702/mo
Today · 4.125%
HK$182,150
baseline
▲ 0.50% · 4.625%
HK$191,751
+HK$9,601/mo
Deposit HK$22.71M · loan HK$34.06M · min. income ≈ HK$364,300/mo (50% DSR)
Upfront cash ≈ HK$25.12M (deposit + AVD stamp duty HK$2,412,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,229
−HK$11,365/mo
▼ 0.25% · 3.875%
HK$186,866
−HK$5,728/mo
Today · 4.125%
HK$192,594
baseline
▲ 0.50% · 4.625%
HK$204,313
+HK$11,719/mo
Deposit HK$17.03M · loan HK$39.74M · min. income ≈ HK$385,188/mo (50% DSR)
Upfront cash ≈ HK$19.44M (deposit + AVD stamp duty HK$2,412,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,616
−HK$10,892/mo
▼ 0.25% · 3.875%
HK$207,023
−HK$5,485/mo
Today · 4.125%
HK$212,508
baseline
▲ 0.50% · 4.625%
HK$223,710
+HK$11,202/mo
Deposit HK$17.03M · loan HK$39.74M · min. income ≈ HK$425,016/mo (50% DSR)
Upfront cash ≈ HK$19.44M (deposit + AVD stamp duty HK$2,412,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,009
−HK$14,612/mo
▼ 0.25% · 3.875%
HK$240,257
−HK$7,364/mo
Today · 4.125%
HK$247,621
baseline
▲ 0.50% · 4.625%
HK$262,688
+HK$15,067/mo
Deposit HK$5.68M · loan HK$51.09M · min. income ≈ HK$495,242/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$2,412,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,220
−HK$14,005/mo
▼ 0.25% · 3.875%
HK$266,172
−HK$7,053/mo
Today · 4.125%
HK$273,225
baseline
▲ 0.50% · 4.625%
HK$287,627
+HK$14,402/mo
Deposit HK$5.68M · loan HK$51.09M · min. income ≈ HK$546,450/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$2,412,710 · Scale 2, in force from 26 Feb 2026)