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$129,558
−HK$8,125/mo
▼ 0.25% · 3.875%
HK$133,588
−HK$4,095/mo
Today · 4.125%
HK$137,683
baseline
▲ 0.50% · 4.625%
HK$146,060
+HK$8,377/mo
Deposit HK$28.41M · loan HK$28.41M · min. income ≈ HK$275,366/mo (50% DSR)
Upfront cash ≈ HK$30.82M (deposit + AVD stamp duty HK$2,414,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,132
−HK$7,787/mo
▼ 0.25% · 3.875%
HK$147,998
−HK$3,921/mo
Today · 4.125%
HK$151,919
baseline
▲ 0.50% · 4.625%
HK$159,927
+HK$8,008/mo
Deposit HK$28.41M · loan HK$28.41M · min. income ≈ HK$303,838/mo (50% DSR)
Upfront cash ≈ HK$30.82M (deposit + AVD stamp duty HK$2,414,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,470
−HK$9,749/mo
▼ 0.25% · 3.875%
HK$160,306
−HK$4,913/mo
Today · 4.125%
HK$165,219
baseline
▲ 0.50% · 4.625%
HK$175,272
+HK$10,053/mo
Deposit HK$22.73M · loan HK$34.09M · min. income ≈ HK$330,438/mo (50% DSR)
Upfront cash ≈ HK$25.14M (deposit + AVD stamp duty HK$2,414,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,959
−HK$9,344/mo
▼ 0.25% · 3.875%
HK$177,597
−HK$4,706/mo
Today · 4.125%
HK$182,303
baseline
▲ 0.50% · 4.625%
HK$191,912
+HK$9,609/mo
Deposit HK$22.73M · loan HK$34.09M · min. income ≈ HK$364,606/mo (50% DSR)
Upfront cash ≈ HK$25.14M (deposit + AVD stamp duty HK$2,414,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,381
−HK$11,375/mo
▼ 0.25% · 3.875%
HK$187,023
−HK$5,733/mo
Today · 4.125%
HK$192,756
baseline
▲ 0.50% · 4.625%
HK$204,484
+HK$11,728/mo
Deposit HK$17.05M · loan HK$39.77M · min. income ≈ HK$385,512/mo (50% DSR)
Upfront cash ≈ HK$19.46M (deposit + AVD stamp duty HK$2,414,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,785
−HK$10,902/mo
▼ 0.25% · 3.875%
HK$207,197
−HK$5,490/mo
Today · 4.125%
HK$212,687
baseline
▲ 0.50% · 4.625%
HK$223,898
+HK$11,211/mo
Deposit HK$17.05M · loan HK$39.77M · min. income ≈ HK$425,374/mo (50% DSR)
Upfront cash ≈ HK$19.46M (deposit + AVD stamp duty HK$2,414,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,205
−HK$14,624/mo
▼ 0.25% · 3.875%
HK$240,459
−HK$7,370/mo
Today · 4.125%
HK$247,829
baseline
▲ 0.50% · 4.625%
HK$262,908
+HK$15,079/mo
Deposit HK$5.68M · loan HK$51.14M · min. income ≈ HK$495,658/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$2,414,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,438
−HK$14,016/mo
▼ 0.25% · 3.875%
HK$266,396
−HK$7,058/mo
Today · 4.125%
HK$273,454
baseline
▲ 0.50% · 4.625%
HK$287,869
+HK$14,415/mo
Deposit HK$5.68M · loan HK$51.14M · min. income ≈ HK$546,908/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$2,414,737 · Scale 2, in force from 26 Feb 2026)