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$129,066
−HK$8,094/mo
▼ 0.25% · 3.875%
HK$133,081
−HK$4,079/mo
Today · 4.125%
HK$137,160
baseline
▲ 0.50% · 4.625%
HK$145,506
+HK$8,346/mo
Deposit HK$28.30M · loan HK$28.30M · min. income ≈ HK$274,320/mo (50% DSR)
Upfront cash ≈ HK$30.71M (deposit + AVD stamp duty HK$2,405,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,585
−HK$7,758/mo
▼ 0.25% · 3.875%
HK$147,436
−HK$3,907/mo
Today · 4.125%
HK$151,343
baseline
▲ 0.50% · 4.625%
HK$159,320
+HK$7,977/mo
Deposit HK$28.30M · loan HK$28.30M · min. income ≈ HK$302,686/mo (50% DSR)
Upfront cash ≈ HK$30.71M (deposit + AVD stamp duty HK$2,405,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,880
−HK$9,712/mo
▼ 0.25% · 3.875%
HK$159,697
−HK$4,895/mo
Today · 4.125%
HK$164,592
baseline
▲ 0.50% · 4.625%
HK$174,607
+HK$10,015/mo
Deposit HK$22.64M · loan HK$33.96M · min. income ≈ HK$329,184/mo (50% DSR)
Upfront cash ≈ HK$25.05M (deposit + AVD stamp duty HK$2,405,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,302
−HK$9,309/mo
▼ 0.25% · 3.875%
HK$176,923
−HK$4,688/mo
Today · 4.125%
HK$181,611
baseline
▲ 0.50% · 4.625%
HK$191,184
+HK$9,573/mo
Deposit HK$22.64M · loan HK$33.96M · min. income ≈ HK$363,222/mo (50% DSR)
Upfront cash ≈ HK$25.05M (deposit + AVD stamp duty HK$2,405,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,693
−HK$11,331/mo
▼ 0.25% · 3.875%
HK$186,314
−HK$5,710/mo
Today · 4.125%
HK$192,024
baseline
▲ 0.50% · 4.625%
HK$203,708
+HK$11,684/mo
Deposit HK$16.98M · loan HK$39.62M · min. income ≈ HK$384,048/mo (50% DSR)
Upfront cash ≈ HK$19.39M (deposit + AVD stamp duty HK$2,405,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,019
−HK$10,861/mo
▼ 0.25% · 3.875%
HK$206,410
−HK$5,470/mo
Today · 4.125%
HK$211,880
baseline
▲ 0.50% · 4.625%
HK$223,048
+HK$11,168/mo
Deposit HK$16.98M · loan HK$39.62M · min. income ≈ HK$423,760/mo (50% DSR)
Upfront cash ≈ HK$19.39M (deposit + AVD stamp duty HK$2,405,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,320
−HK$14,568/mo
▼ 0.25% · 3.875%
HK$239,546
−HK$7,342/mo
Today · 4.125%
HK$246,888
baseline
▲ 0.50% · 4.625%
HK$261,911
+HK$15,023/mo
Deposit HK$5.66M · loan HK$50.94M · min. income ≈ HK$493,776/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$2,405,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,453
−HK$13,964/mo
▼ 0.25% · 3.875%
HK$265,385
−HK$7,032/mo
Today · 4.125%
HK$272,417
baseline
▲ 0.50% · 4.625%
HK$286,776
+HK$14,359/mo
Deposit HK$5.66M · loan HK$50.94M · min. income ≈ HK$544,834/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$2,405,573 · Scale 2, in force from 26 Feb 2026)