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$131,230
−HK$8,230/mo
▼ 0.25% · 3.875%
HK$135,312
−HK$4,148/mo
Today · 4.125%
HK$139,460
baseline
▲ 0.50% · 4.625%
HK$147,945
+HK$8,485/mo
Deposit HK$28.78M · loan HK$28.78M · min. income ≈ HK$278,920/mo (50% DSR)
Upfront cash ≈ HK$31.22M (deposit + AVD stamp duty HK$2,445,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,992
−HK$7,888/mo
▼ 0.25% · 3.875%
HK$149,908
−HK$3,972/mo
Today · 4.125%
HK$153,880
baseline
▲ 0.50% · 4.625%
HK$161,991
+HK$8,111/mo
Deposit HK$28.78M · loan HK$28.78M · min. income ≈ HK$307,760/mo (50% DSR)
Upfront cash ≈ HK$31.22M (deposit + AVD stamp duty HK$2,445,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,476
−HK$9,875/mo
▼ 0.25% · 3.875%
HK$162,375
−HK$4,976/mo
Today · 4.125%
HK$167,351
baseline
▲ 0.50% · 4.625%
HK$177,534
+HK$10,183/mo
Deposit HK$23.02M · loan HK$34.53M · min. income ≈ HK$334,702/mo (50% DSR)
Upfront cash ≈ HK$25.47M (deposit + AVD stamp duty HK$2,445,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,191
−HK$9,465/mo
▼ 0.25% · 3.875%
HK$179,889
−HK$4,767/mo
Today · 4.125%
HK$184,656
baseline
▲ 0.50% · 4.625%
HK$194,389
+HK$9,733/mo
Deposit HK$23.02M · loan HK$34.53M · min. income ≈ HK$369,312/mo (50% DSR)
Upfront cash ≈ HK$25.47M (deposit + AVD stamp duty HK$2,445,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,722
−HK$11,521/mo
▼ 0.25% · 3.875%
HK$189,437
−HK$5,806/mo
Today · 4.125%
HK$195,243
baseline
▲ 0.50% · 4.625%
HK$207,123
+HK$11,880/mo
Deposit HK$17.27M · loan HK$40.29M · min. income ≈ HK$390,486/mo (50% DSR)
Upfront cash ≈ HK$19.71M (deposit + AVD stamp duty HK$2,445,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,389
−HK$11,043/mo
▼ 0.25% · 3.875%
HK$209,871
−HK$5,561/mo
Today · 4.125%
HK$215,432
baseline
▲ 0.50% · 4.625%
HK$226,787
+HK$11,355/mo
Deposit HK$17.27M · loan HK$40.29M · min. income ≈ HK$430,864/mo (50% DSR)
Upfront cash ≈ HK$19.71M (deposit + AVD stamp duty HK$2,445,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,214
−HK$14,813/mo
▼ 0.25% · 3.875%
HK$243,562
−HK$7,465/mo
Today · 4.125%
HK$251,027
baseline
▲ 0.50% · 4.625%
HK$266,302
+HK$15,275/mo
Deposit HK$5.76M · loan HK$51.80M · min. income ≈ HK$502,054/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$2,445,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,786
−HK$14,198/mo
▼ 0.25% · 3.875%
HK$269,834
−HK$7,150/mo
Today · 4.125%
HK$276,984
baseline
▲ 0.50% · 4.625%
HK$291,584
+HK$14,600/mo
Deposit HK$5.76M · loan HK$51.80M · min. income ≈ HK$553,968/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$2,445,903 · Scale 2, in force from 26 Feb 2026)