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$129,622
−HK$8,129/mo
▼ 0.25% · 3.875%
HK$133,654
−HK$4,097/mo
Today · 4.125%
HK$137,751
baseline
▲ 0.50% · 4.625%
HK$146,133
+HK$8,382/mo
Deposit HK$28.42M · loan HK$28.42M · min. income ≈ HK$275,502/mo (50% DSR)
Upfront cash ≈ HK$30.84M (deposit + AVD stamp duty HK$2,415,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,203
−HK$7,791/mo
▼ 0.25% · 3.875%
HK$148,071
−HK$3,923/mo
Today · 4.125%
HK$151,994
baseline
▲ 0.50% · 4.625%
HK$160,006
+HK$8,012/mo
Deposit HK$28.42M · loan HK$28.42M · min. income ≈ HK$303,988/mo (50% DSR)
Upfront cash ≈ HK$30.84M (deposit + AVD stamp duty HK$2,415,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,547
−HK$9,754/mo
▼ 0.25% · 3.875%
HK$160,385
−HK$4,916/mo
Today · 4.125%
HK$165,301
baseline
▲ 0.50% · 4.625%
HK$175,359
+HK$10,058/mo
Deposit HK$22.74M · loan HK$34.11M · min. income ≈ HK$330,602/mo (50% DSR)
Upfront cash ≈ HK$25.15M (deposit + AVD stamp duty HK$2,415,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,044
−HK$9,349/mo
▼ 0.25% · 3.875%
HK$177,685
−HK$4,708/mo
Today · 4.125%
HK$182,393
baseline
▲ 0.50% · 4.625%
HK$192,007
+HK$9,614/mo
Deposit HK$22.74M · loan HK$34.11M · min. income ≈ HK$364,786/mo (50% DSR)
Upfront cash ≈ HK$25.15M (deposit + AVD stamp duty HK$2,415,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,471
−HK$11,380/mo
▼ 0.25% · 3.875%
HK$187,116
−HK$5,735/mo
Today · 4.125%
HK$192,851
baseline
▲ 0.50% · 4.625%
HK$204,586
+HK$11,735/mo
Deposit HK$17.05M · loan HK$39.79M · min. income ≈ HK$385,702/mo (50% DSR)
Upfront cash ≈ HK$19.47M (deposit + AVD stamp duty HK$2,415,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,885
−HK$10,907/mo
▼ 0.25% · 3.875%
HK$207,299
−HK$5,493/mo
Today · 4.125%
HK$212,792
baseline
▲ 0.50% · 4.625%
HK$224,009
+HK$11,217/mo
Deposit HK$17.05M · loan HK$39.79M · min. income ≈ HK$425,584/mo (50% DSR)
Upfront cash ≈ HK$19.47M (deposit + AVD stamp duty HK$2,415,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,320
−HK$14,631/mo
▼ 0.25% · 3.875%
HK$240,578
−HK$7,373/mo
Today · 4.125%
HK$247,951
baseline
▲ 0.50% · 4.625%
HK$263,039
+HK$15,088/mo
Deposit HK$5.68M · loan HK$51.16M · min. income ≈ HK$495,902/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$2,415,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,566
−HK$14,024/mo
▼ 0.25% · 3.875%
HK$266,528
−HK$7,062/mo
Today · 4.125%
HK$273,590
baseline
▲ 0.50% · 4.625%
HK$288,011
+HK$14,421/mo
Deposit HK$5.68M · loan HK$51.16M · min. income ≈ HK$547,180/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$2,415,934 · Scale 2, in force from 26 Feb 2026)