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$132,066
−HK$8,281/mo
▼ 0.25% · 3.875%
HK$136,173
−HK$4,174/mo
Today · 4.125%
HK$140,347
baseline
▲ 0.50% · 4.625%
HK$148,887
+HK$8,540/mo
Deposit HK$28.96M · loan HK$28.96M · min. income ≈ HK$280,694/mo (50% DSR)
Upfront cash ≈ HK$31.42M (deposit + AVD stamp duty HK$2,461,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,922
−HK$7,937/mo
▼ 0.25% · 3.875%
HK$150,862
−HK$3,997/mo
Today · 4.125%
HK$154,859
baseline
▲ 0.50% · 4.625%
HK$163,022
+HK$8,163/mo
Deposit HK$28.96M · loan HK$28.96M · min. income ≈ HK$309,718/mo (50% DSR)
Upfront cash ≈ HK$31.42M (deposit + AVD stamp duty HK$2,461,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,479
−HK$9,938/mo
▼ 0.25% · 3.875%
HK$163,408
−HK$5,009/mo
Today · 4.125%
HK$168,417
baseline
▲ 0.50% · 4.625%
HK$178,664
+HK$10,247/mo
Deposit HK$23.17M · loan HK$34.75M · min. income ≈ HK$336,834/mo (50% DSR)
Upfront cash ≈ HK$25.63M (deposit + AVD stamp duty HK$2,461,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,306
−HK$9,525/mo
▼ 0.25% · 3.875%
HK$181,034
−HK$4,797/mo
Today · 4.125%
HK$185,831
baseline
▲ 0.50% · 4.625%
HK$195,627
+HK$9,796/mo
Deposit HK$23.17M · loan HK$34.75M · min. income ≈ HK$371,662/mo (50% DSR)
Upfront cash ≈ HK$25.63M (deposit + AVD stamp duty HK$2,461,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,892
−HK$11,594/mo
▼ 0.25% · 3.875%
HK$190,643
−HK$5,843/mo
Today · 4.125%
HK$196,486
baseline
▲ 0.50% · 4.625%
HK$208,442
+HK$11,956/mo
Deposit HK$17.38M · loan HK$40.54M · min. income ≈ HK$392,972/mo (50% DSR)
Upfront cash ≈ HK$19.84M (deposit + AVD stamp duty HK$2,461,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,690
−HK$11,113/mo
▼ 0.25% · 3.875%
HK$211,207
−HK$5,596/mo
Today · 4.125%
HK$216,803
baseline
▲ 0.50% · 4.625%
HK$228,231
+HK$11,428/mo
Deposit HK$17.38M · loan HK$40.54M · min. income ≈ HK$433,606/mo (50% DSR)
Upfront cash ≈ HK$19.84M (deposit + AVD stamp duty HK$2,461,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,718
−HK$14,907/mo
▼ 0.25% · 3.875%
HK$245,112
−HK$7,513/mo
Today · 4.125%
HK$252,625
baseline
▲ 0.50% · 4.625%
HK$267,997
+HK$15,372/mo
Deposit HK$5.79M · loan HK$52.13M · min. income ≈ HK$505,250/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$2,461,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,459
−HK$14,288/mo
▼ 0.25% · 3.875%
HK$271,551
−HK$7,196/mo
Today · 4.125%
HK$278,747
baseline
▲ 0.50% · 4.625%
HK$293,440
+HK$14,693/mo
Deposit HK$5.79M · loan HK$52.13M · min. income ≈ HK$557,494/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$2,461,471 · Scale 2, in force from 26 Feb 2026)