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$129,891
−HK$8,145/mo
▼ 0.25% · 3.875%
HK$133,931
−HK$4,105/mo
Today · 4.125%
HK$138,036
baseline
▲ 0.50% · 4.625%
HK$146,436
+HK$8,400/mo
Deposit HK$28.48M · loan HK$28.48M · min. income ≈ HK$276,072/mo (50% DSR)
Upfront cash ≈ HK$30.90M (deposit + AVD stamp duty HK$2,420,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,502
−HK$7,807/mo
▼ 0.25% · 3.875%
HK$148,378
−HK$3,931/mo
Today · 4.125%
HK$152,309
baseline
▲ 0.50% · 4.625%
HK$160,338
+HK$8,029/mo
Deposit HK$28.48M · loan HK$28.48M · min. income ≈ HK$304,618/mo (50% DSR)
Upfront cash ≈ HK$30.90M (deposit + AVD stamp duty HK$2,420,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,869
−HK$9,775/mo
▼ 0.25% · 3.875%
HK$160,718
−HK$4,926/mo
Today · 4.125%
HK$165,644
baseline
▲ 0.50% · 4.625%
HK$175,723
+HK$10,079/mo
Deposit HK$22.79M · loan HK$34.18M · min. income ≈ HK$331,288/mo (50% DSR)
Upfront cash ≈ HK$25.21M (deposit + AVD stamp duty HK$2,420,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,403
−HK$9,368/mo
▼ 0.25% · 3.875%
HK$178,054
−HK$4,717/mo
Today · 4.125%
HK$182,771
baseline
▲ 0.50% · 4.625%
HK$192,405
+HK$9,634/mo
Deposit HK$22.79M · loan HK$34.18M · min. income ≈ HK$365,542/mo (50% DSR)
Upfront cash ≈ HK$25.21M (deposit + AVD stamp duty HK$2,420,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,847
−HK$11,404/mo
▼ 0.25% · 3.875%
HK$187,504
−HK$5,747/mo
Today · 4.125%
HK$193,251
baseline
▲ 0.50% · 4.625%
HK$205,010
+HK$11,759/mo
Deposit HK$17.09M · loan HK$39.87M · min. income ≈ HK$386,502/mo (50% DSR)
Upfront cash ≈ HK$19.51M (deposit + AVD stamp duty HK$2,420,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,303
−HK$10,930/mo
▼ 0.25% · 3.875%
HK$207,729
−HK$5,504/mo
Today · 4.125%
HK$213,233
baseline
▲ 0.50% · 4.625%
HK$224,473
+HK$11,240/mo
Deposit HK$17.09M · loan HK$39.87M · min. income ≈ HK$426,466/mo (50% DSR)
Upfront cash ≈ HK$19.51M (deposit + AVD stamp duty HK$2,420,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,804
−HK$14,661/mo
▼ 0.25% · 3.875%
HK$241,076
−HK$7,389/mo
Today · 4.125%
HK$248,465
baseline
▲ 0.50% · 4.625%
HK$263,584
+HK$15,119/mo
Deposit HK$5.70M · loan HK$51.27M · min. income ≈ HK$496,930/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$2,420,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,104
−HK$14,053/mo
▼ 0.25% · 3.875%
HK$267,080
−HK$7,077/mo
Today · 4.125%
HK$274,157
baseline
▲ 0.50% · 4.625%
HK$288,608
+HK$14,451/mo
Deposit HK$5.70M · loan HK$51.27M · min. income ≈ HK$548,314/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$2,420,942 · Scale 2, in force from 26 Feb 2026)