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$130,512
−HK$8,184/mo
▼ 0.25% · 3.875%
HK$134,571
−HK$4,125/mo
Today · 4.125%
HK$138,696
baseline
▲ 0.50% · 4.625%
HK$147,135
+HK$8,439/mo
Deposit HK$28.62M · loan HK$28.62M · min. income ≈ HK$277,392/mo (50% DSR)
Upfront cash ≈ HK$31.05M (deposit + AVD stamp duty HK$2,432,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,193
−HK$7,844/mo
▼ 0.25% · 3.875%
HK$149,087
−HK$3,950/mo
Today · 4.125%
HK$153,037
baseline
▲ 0.50% · 4.625%
HK$161,104
+HK$8,067/mo
Deposit HK$28.62M · loan HK$28.62M · min. income ≈ HK$306,074/mo (50% DSR)
Upfront cash ≈ HK$31.05M (deposit + AVD stamp duty HK$2,432,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,614
−HK$9,821/mo
▼ 0.25% · 3.875%
HK$161,486
−HK$4,949/mo
Today · 4.125%
HK$166,435
baseline
▲ 0.50% · 4.625%
HK$176,562
+HK$10,127/mo
Deposit HK$22.89M · loan HK$34.34M · min. income ≈ HK$332,870/mo (50% DSR)
Upfront cash ≈ HK$25.33M (deposit + AVD stamp duty HK$2,432,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,232
−HK$9,413/mo
▼ 0.25% · 3.875%
HK$178,904
−HK$4,741/mo
Today · 4.125%
HK$183,645
baseline
▲ 0.50% · 4.625%
HK$193,325
+HK$9,680/mo
Deposit HK$22.89M · loan HK$34.34M · min. income ≈ HK$367,290/mo (50% DSR)
Upfront cash ≈ HK$25.33M (deposit + AVD stamp duty HK$2,432,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,716
−HK$11,458/mo
▼ 0.25% · 3.875%
HK$188,400
−HK$5,774/mo
Today · 4.125%
HK$194,174
baseline
▲ 0.50% · 4.625%
HK$205,989
+HK$11,815/mo
Deposit HK$17.17M · loan HK$40.06M · min. income ≈ HK$388,348/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$2,432,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,270
−HK$10,982/mo
▼ 0.25% · 3.875%
HK$208,722
−HK$5,530/mo
Today · 4.125%
HK$214,252
baseline
▲ 0.50% · 4.625%
HK$225,546
+HK$11,294/mo
Deposit HK$17.17M · loan HK$40.06M · min. income ≈ HK$428,504/mo (50% DSR)
Upfront cash ≈ HK$19.60M (deposit + AVD stamp duty HK$2,432,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,921
−HK$14,732/mo
▼ 0.25% · 3.875%
HK$242,228
−HK$7,425/mo
Today · 4.125%
HK$249,653
baseline
▲ 0.50% · 4.625%
HK$264,843
+HK$15,190/mo
Deposit HK$5.72M · loan HK$51.51M · min. income ≈ HK$499,306/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$2,432,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,347
−HK$14,120/mo
▼ 0.25% · 3.875%
HK$268,356
−HK$7,111/mo
Today · 4.125%
HK$275,467
baseline
▲ 0.50% · 4.625%
HK$289,987
+HK$14,520/mo
Deposit HK$5.72M · loan HK$51.51M · min. income ≈ HK$550,934/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$2,432,511 · Scale 2, in force from 26 Feb 2026)