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$131,903
−HK$8,271/mo
▼ 0.25% · 3.875%
HK$136,006
−HK$4,168/mo
Today · 4.125%
HK$140,174
baseline
▲ 0.50% · 4.625%
HK$148,704
+HK$8,530/mo
Deposit HK$28.92M · loan HK$28.92M · min. income ≈ HK$280,348/mo (50% DSR)
Upfront cash ≈ HK$31.38M (deposit + AVD stamp duty HK$2,458,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,741
−HK$7,928/mo
▼ 0.25% · 3.875%
HK$150,676
−HK$3,993/mo
Today · 4.125%
HK$154,669
baseline
▲ 0.50% · 4.625%
HK$162,821
+HK$8,152/mo
Deposit HK$28.92M · loan HK$28.92M · min. income ≈ HK$309,338/mo (50% DSR)
Upfront cash ≈ HK$31.38M (deposit + AVD stamp duty HK$2,458,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,283
−HK$9,926/mo
▼ 0.25% · 3.875%
HK$163,207
−HK$5,002/mo
Today · 4.125%
HK$168,209
baseline
▲ 0.50% · 4.625%
HK$178,444
+HK$10,235/mo
Deposit HK$23.14M · loan HK$34.71M · min. income ≈ HK$336,418/mo (50% DSR)
Upfront cash ≈ HK$25.60M (deposit + AVD stamp duty HK$2,458,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,089
−HK$9,513/mo
▼ 0.25% · 3.875%
HK$180,811
−HK$4,791/mo
Today · 4.125%
HK$185,602
baseline
▲ 0.50% · 4.625%
HK$195,386
+HK$9,784/mo
Deposit HK$23.14M · loan HK$34.71M · min. income ≈ HK$371,204/mo (50% DSR)
Upfront cash ≈ HK$25.60M (deposit + AVD stamp duty HK$2,458,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,664
−HK$11,580/mo
▼ 0.25% · 3.875%
HK$190,408
−HK$5,836/mo
Today · 4.125%
HK$196,244
baseline
▲ 0.50% · 4.625%
HK$208,185
+HK$11,941/mo
Deposit HK$17.35M · loan HK$40.49M · min. income ≈ HK$392,488/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$2,458,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,437
−HK$11,099/mo
▼ 0.25% · 3.875%
HK$210,947
−HK$5,589/mo
Today · 4.125%
HK$216,536
baseline
▲ 0.50% · 4.625%
HK$227,950
+HK$11,414/mo
Deposit HK$17.35M · loan HK$40.49M · min. income ≈ HK$433,072/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$2,458,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,425
−HK$14,889/mo
▼ 0.25% · 3.875%
HK$244,811
−HK$7,503/mo
Today · 4.125%
HK$252,314
baseline
▲ 0.50% · 4.625%
HK$267,667
+HK$15,353/mo
Deposit HK$5.78M · loan HK$52.06M · min. income ≈ HK$504,628/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$2,458,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,133
−HK$14,270/mo
▼ 0.25% · 3.875%
HK$271,217
−HK$7,186/mo
Today · 4.125%
HK$278,403
baseline
▲ 0.50% · 4.625%
HK$293,079
+HK$14,676/mo
Deposit HK$5.78M · loan HK$52.06M · min. income ≈ HK$556,806/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$2,458,441 · Scale 2, in force from 26 Feb 2026)