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$129,409
−HK$8,115/mo
▼ 0.25% · 3.875%
HK$133,434
−HK$4,090/mo
Today · 4.125%
HK$137,524
baseline
▲ 0.50% · 4.625%
HK$145,892
+HK$8,368/mo
Deposit HK$28.38M · loan HK$28.38M · min. income ≈ HK$275,048/mo (50% DSR)
Upfront cash ≈ HK$30.79M (deposit + AVD stamp duty HK$2,411,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,966
−HK$7,778/mo
▼ 0.25% · 3.875%
HK$147,827
−HK$3,917/mo
Today · 4.125%
HK$151,744
baseline
▲ 0.50% · 4.625%
HK$159,743
+HK$7,999/mo
Deposit HK$28.38M · loan HK$28.38M · min. income ≈ HK$303,488/mo (50% DSR)
Upfront cash ≈ HK$30.79M (deposit + AVD stamp duty HK$2,411,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,291
−HK$9,738/mo
▼ 0.25% · 3.875%
HK$160,121
−HK$4,908/mo
Today · 4.125%
HK$165,029
baseline
▲ 0.50% · 4.625%
HK$175,071
+HK$10,042/mo
Deposit HK$22.70M · loan HK$34.05M · min. income ≈ HK$330,058/mo (50% DSR)
Upfront cash ≈ HK$25.11M (deposit + AVD stamp duty HK$2,411,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,760
−HK$9,333/mo
▼ 0.25% · 3.875%
HK$177,393
−HK$4,700/mo
Today · 4.125%
HK$182,093
baseline
▲ 0.50% · 4.625%
HK$191,692
+HK$9,599/mo
Deposit HK$22.70M · loan HK$34.05M · min. income ≈ HK$364,186/mo (50% DSR)
Upfront cash ≈ HK$25.11M (deposit + AVD stamp duty HK$2,411,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,173
−HK$11,361/mo
▼ 0.25% · 3.875%
HK$186,808
−HK$5,726/mo
Today · 4.125%
HK$192,534
baseline
▲ 0.50% · 4.625%
HK$204,249
+HK$11,715/mo
Deposit HK$17.03M · loan HK$39.73M · min. income ≈ HK$385,068/mo (50% DSR)
Upfront cash ≈ HK$19.44M (deposit + AVD stamp duty HK$2,411,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,553
−HK$10,889/mo
▼ 0.25% · 3.875%
HK$206,958
−HK$5,484/mo
Today · 4.125%
HK$212,442
baseline
▲ 0.50% · 4.625%
HK$223,640
+HK$11,198/mo
Deposit HK$17.03M · loan HK$39.73M · min. income ≈ HK$424,884/mo (50% DSR)
Upfront cash ≈ HK$19.44M (deposit + AVD stamp duty HK$2,411,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,936
−HK$14,608/mo
▼ 0.25% · 3.875%
HK$240,182
−HK$7,362/mo
Today · 4.125%
HK$247,544
baseline
▲ 0.50% · 4.625%
HK$262,606
+HK$15,062/mo
Deposit HK$5.68M · loan HK$51.08M · min. income ≈ HK$495,088/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$2,411,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,139
−HK$14,001/mo
▼ 0.25% · 3.875%
HK$266,089
−HK$7,051/mo
Today · 4.125%
HK$273,140
baseline
▲ 0.50% · 4.625%
HK$287,538
+HK$14,398/mo
Deposit HK$5.68M · loan HK$51.08M · min. income ≈ HK$546,280/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$2,411,961 · Scale 2, in force from 26 Feb 2026)