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$130,738
−HK$8,199/mo
▼ 0.25% · 3.875%
HK$134,805
−HK$4,132/mo
Today · 4.125%
HK$138,937
baseline
▲ 0.50% · 4.625%
HK$147,391
+HK$8,454/mo
Deposit HK$28.67M · loan HK$28.67M · min. income ≈ HK$277,874/mo (50% DSR)
Upfront cash ≈ HK$31.10M (deposit + AVD stamp duty HK$2,436,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,445
−HK$7,858/mo
▼ 0.25% · 3.875%
HK$149,346
−HK$3,957/mo
Today · 4.125%
HK$153,303
baseline
▲ 0.50% · 4.625%
HK$161,384
+HK$8,081/mo
Deposit HK$28.67M · loan HK$28.67M · min. income ≈ HK$306,606/mo (50% DSR)
Upfront cash ≈ HK$31.10M (deposit + AVD stamp duty HK$2,436,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,886
−HK$9,838/mo
▼ 0.25% · 3.875%
HK$161,766
−HK$4,958/mo
Today · 4.125%
HK$166,724
baseline
▲ 0.50% · 4.625%
HK$176,869
+HK$10,145/mo
Deposit HK$22.93M · loan HK$34.40M · min. income ≈ HK$333,448/mo (50% DSR)
Upfront cash ≈ HK$25.37M (deposit + AVD stamp duty HK$2,436,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,534
−HK$9,430/mo
▼ 0.25% · 3.875%
HK$179,215
−HK$4,749/mo
Today · 4.125%
HK$183,964
baseline
▲ 0.50% · 4.625%
HK$193,661
+HK$9,697/mo
Deposit HK$22.93M · loan HK$34.40M · min. income ≈ HK$367,928/mo (50% DSR)
Upfront cash ≈ HK$25.37M (deposit + AVD stamp duty HK$2,436,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,034
−HK$11,478/mo
▼ 0.25% · 3.875%
HK$188,727
−HK$5,785/mo
Today · 4.125%
HK$194,512
baseline
▲ 0.50% · 4.625%
HK$206,347
+HK$11,835/mo
Deposit HK$17.20M · loan HK$40.13M · min. income ≈ HK$389,024/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$2,436,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,623
−HK$11,001/mo
▼ 0.25% · 3.875%
HK$209,084
−HK$5,540/mo
Today · 4.125%
HK$214,624
baseline
▲ 0.50% · 4.625%
HK$225,937
+HK$11,313/mo
Deposit HK$17.20M · loan HK$40.13M · min. income ≈ HK$429,248/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$2,436,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,329
−HK$14,757/mo
▼ 0.25% · 3.875%
HK$242,649
−HK$7,437/mo
Today · 4.125%
HK$250,086
baseline
▲ 0.50% · 4.625%
HK$265,303
+HK$15,217/mo
Deposit HK$5.73M · loan HK$51.60M · min. income ≈ HK$500,172/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$2,436,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,801
−HK$14,145/mo
▼ 0.25% · 3.875%
HK$268,823
−HK$7,123/mo
Today · 4.125%
HK$275,946
baseline
▲ 0.50% · 4.625%
HK$290,491
+HK$14,545/mo
Deposit HK$5.73M · loan HK$51.60M · min. income ≈ HK$551,892/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$2,436,736 · Scale 2, in force from 26 Feb 2026)