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$130,956
−HK$8,213/mo
▼ 0.25% · 3.875%
HK$135,030
−HK$4,139/mo
Today · 4.125%
HK$139,169
baseline
▲ 0.50% · 4.625%
HK$147,637
+HK$8,468/mo
Deposit HK$28.72M · loan HK$28.72M · min. income ≈ HK$278,338/mo (50% DSR)
Upfront cash ≈ HK$31.16M (deposit + AVD stamp duty HK$2,440,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,688
−HK$7,871/mo
▼ 0.25% · 3.875%
HK$149,595
−HK$3,964/mo
Today · 4.125%
HK$153,559
baseline
▲ 0.50% · 4.625%
HK$161,653
+HK$8,094/mo
Deposit HK$28.72M · loan HK$28.72M · min. income ≈ HK$307,118/mo (50% DSR)
Upfront cash ≈ HK$31.16M (deposit + AVD stamp duty HK$2,440,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,148
−HK$9,854/mo
▼ 0.25% · 3.875%
HK$162,036
−HK$4,966/mo
Today · 4.125%
HK$167,002
baseline
▲ 0.50% · 4.625%
HK$177,164
+HK$10,162/mo
Deposit HK$22.97M · loan HK$34.46M · min. income ≈ HK$334,004/mo (50% DSR)
Upfront cash ≈ HK$25.41M (deposit + AVD stamp duty HK$2,440,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,825
−HK$9,446/mo
▼ 0.25% · 3.875%
HK$179,514
−HK$4,757/mo
Today · 4.125%
HK$184,271
baseline
▲ 0.50% · 4.625%
HK$193,984
+HK$9,713/mo
Deposit HK$22.97M · loan HK$34.46M · min. income ≈ HK$368,542/mo (50% DSR)
Upfront cash ≈ HK$25.41M (deposit + AVD stamp duty HK$2,440,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,339
−HK$11,497/mo
▼ 0.25% · 3.875%
HK$189,042
−HK$5,794/mo
Today · 4.125%
HK$194,836
baseline
▲ 0.50% · 4.625%
HK$206,691
+HK$11,855/mo
Deposit HK$17.23M · loan HK$40.20M · min. income ≈ HK$389,672/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$2,440,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,963
−HK$11,019/mo
▼ 0.25% · 3.875%
HK$209,433
−HK$5,549/mo
Today · 4.125%
HK$214,982
baseline
▲ 0.50% · 4.625%
HK$226,314
+HK$11,332/mo
Deposit HK$17.23M · loan HK$40.20M · min. income ≈ HK$429,964/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$2,440,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,722
−HK$14,781/mo
▼ 0.25% · 3.875%
HK$243,054
−HK$7,449/mo
Today · 4.125%
HK$250,503
baseline
▲ 0.50% · 4.625%
HK$265,746
+HK$15,243/mo
Deposit HK$5.74M · loan HK$51.69M · min. income ≈ HK$501,006/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$2,440,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,238
−HK$14,168/mo
▼ 0.25% · 3.875%
HK$269,271
−HK$7,135/mo
Today · 4.125%
HK$276,406
baseline
▲ 0.50% · 4.625%
HK$290,976
+HK$14,570/mo
Deposit HK$5.74M · loan HK$51.69M · min. income ≈ HK$552,812/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$2,440,800 · Scale 2, in force from 26 Feb 2026)