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$130,754
−HK$8,199/mo
▼ 0.25% · 3.875%
HK$134,821
−HK$4,132/mo
Today · 4.125%
HK$138,953
baseline
▲ 0.50% · 4.625%
HK$147,408
+HK$8,455/mo
Deposit HK$28.67M · loan HK$28.67M · min. income ≈ HK$277,906/mo (50% DSR)
Upfront cash ≈ HK$31.11M (deposit + AVD stamp duty HK$2,437,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,463
−HK$7,858/mo
▼ 0.25% · 3.875%
HK$149,364
−HK$3,957/mo
Today · 4.125%
HK$153,321
baseline
▲ 0.50% · 4.625%
HK$161,403
+HK$8,082/mo
Deposit HK$28.67M · loan HK$28.67M · min. income ≈ HK$306,642/mo (50% DSR)
Upfront cash ≈ HK$31.11M (deposit + AVD stamp duty HK$2,437,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,905
−HK$9,839/mo
▼ 0.25% · 3.875%
HK$161,785
−HK$4,959/mo
Today · 4.125%
HK$166,744
baseline
▲ 0.50% · 4.625%
HK$176,890
+HK$10,146/mo
Deposit HK$22.94M · loan HK$34.41M · min. income ≈ HK$333,488/mo (50% DSR)
Upfront cash ≈ HK$25.37M (deposit + AVD stamp duty HK$2,437,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,555
−HK$9,431/mo
▼ 0.25% · 3.875%
HK$179,237
−HK$4,749/mo
Today · 4.125%
HK$183,986
baseline
▲ 0.50% · 4.625%
HK$193,684
+HK$9,698/mo
Deposit HK$22.94M · loan HK$34.41M · min. income ≈ HK$367,972/mo (50% DSR)
Upfront cash ≈ HK$25.37M (deposit + AVD stamp duty HK$2,437,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,056
−HK$11,479/mo
▼ 0.25% · 3.875%
HK$188,750
−HK$5,785/mo
Today · 4.125%
HK$194,535
baseline
▲ 0.50% · 4.625%
HK$206,372
+HK$11,837/mo
Deposit HK$17.20M · loan HK$40.14M · min. income ≈ HK$389,070/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$2,437,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,648
−HK$11,002/mo
▼ 0.25% · 3.875%
HK$209,109
−HK$5,541/mo
Today · 4.125%
HK$214,650
baseline
▲ 0.50% · 4.625%
HK$225,965
+HK$11,315/mo
Deposit HK$17.20M · loan HK$40.14M · min. income ≈ HK$429,300/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$2,437,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,357
−HK$14,759/mo
▼ 0.25% · 3.875%
HK$242,678
−HK$7,438/mo
Today · 4.125%
HK$250,116
baseline
▲ 0.50% · 4.625%
HK$265,335
+HK$15,219/mo
Deposit HK$5.73M · loan HK$51.61M · min. income ≈ HK$500,232/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$2,437,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,833
−HK$14,146/mo
▼ 0.25% · 3.875%
HK$268,855
−HK$7,124/mo
Today · 4.125%
HK$275,979
baseline
▲ 0.50% · 4.625%
HK$290,526
+HK$14,547/mo
Deposit HK$5.73M · loan HK$51.61M · min. income ≈ HK$551,958/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$2,437,028 · Scale 2, in force from 26 Feb 2026)