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$128,997
−HK$8,089/mo
▼ 0.25% · 3.875%
HK$133,010
−HK$4,076/mo
Today · 4.125%
HK$137,086
baseline
▲ 0.50% · 4.625%
HK$145,428
+HK$8,342/mo
Deposit HK$28.29M · loan HK$28.29M · min. income ≈ HK$274,172/mo (50% DSR)
Upfront cash ≈ HK$30.69M (deposit + AVD stamp duty HK$2,404,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,508
−HK$7,753/mo
▼ 0.25% · 3.875%
HK$147,357
−HK$3,904/mo
Today · 4.125%
HK$151,261
baseline
▲ 0.50% · 4.625%
HK$159,234
+HK$7,973/mo
Deposit HK$28.29M · loan HK$28.29M · min. income ≈ HK$302,522/mo (50% DSR)
Upfront cash ≈ HK$30.69M (deposit + AVD stamp duty HK$2,404,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,796
−HK$9,708/mo
▼ 0.25% · 3.875%
HK$159,612
−HK$4,892/mo
Today · 4.125%
HK$164,504
baseline
▲ 0.50% · 4.625%
HK$174,513
+HK$10,009/mo
Deposit HK$22.63M · loan HK$33.94M · min. income ≈ HK$329,008/mo (50% DSR)
Upfront cash ≈ HK$25.03M (deposit + AVD stamp duty HK$2,404,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,210
−HK$9,303/mo
▼ 0.25% · 3.875%
HK$176,828
−HK$4,685/mo
Today · 4.125%
HK$181,513
baseline
▲ 0.50% · 4.625%
HK$191,081
+HK$9,568/mo
Deposit HK$22.63M · loan HK$33.94M · min. income ≈ HK$363,026/mo (50% DSR)
Upfront cash ≈ HK$25.03M (deposit + AVD stamp duty HK$2,404,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,596
−HK$11,325/mo
▼ 0.25% · 3.875%
HK$186,213
−HK$5,708/mo
Today · 4.125%
HK$191,921
baseline
▲ 0.50% · 4.625%
HK$203,599
+HK$11,678/mo
Deposit HK$16.97M · loan HK$39.60M · min. income ≈ HK$383,842/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$2,404,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,911
−HK$10,855/mo
▼ 0.25% · 3.875%
HK$206,299
−HK$5,467/mo
Today · 4.125%
HK$211,766
baseline
▲ 0.50% · 4.625%
HK$222,928
+HK$11,162/mo
Deposit HK$16.97M · loan HK$39.60M · min. income ≈ HK$423,532/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$2,404,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,195
−HK$14,560/mo
▼ 0.25% · 3.875%
HK$239,417
−HK$7,338/mo
Today · 4.125%
HK$246,755
baseline
▲ 0.50% · 4.625%
HK$261,770
+HK$15,015/mo
Deposit HK$5.66M · loan HK$50.91M · min. income ≈ HK$493,510/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$2,404,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,314
−HK$13,956/mo
▼ 0.25% · 3.875%
HK$265,242
−HK$7,028/mo
Today · 4.125%
HK$272,270
baseline
▲ 0.50% · 4.625%
HK$286,622
+HK$14,352/mo
Deposit HK$5.66M · loan HK$50.91M · min. income ≈ HK$544,540/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$2,404,281 · Scale 2, in force from 26 Feb 2026)