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$130,232
−HK$8,167/mo
▼ 0.25% · 3.875%
HK$134,283
−HK$4,116/mo
Today · 4.125%
HK$138,399
baseline
▲ 0.50% · 4.625%
HK$146,820
+HK$8,421/mo
Deposit HK$28.56M · loan HK$28.56M · min. income ≈ HK$276,798/mo (50% DSR)
Upfront cash ≈ HK$30.98M (deposit + AVD stamp duty HK$2,427,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,882
−HK$7,827/mo
▼ 0.25% · 3.875%
HK$148,768
−HK$3,941/mo
Today · 4.125%
HK$152,709
baseline
▲ 0.50% · 4.625%
HK$160,759
+HK$8,050/mo
Deposit HK$28.56M · loan HK$28.56M · min. income ≈ HK$305,418/mo (50% DSR)
Upfront cash ≈ HK$30.98M (deposit + AVD stamp duty HK$2,427,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,279
−HK$9,800/mo
▼ 0.25% · 3.875%
HK$161,140
−HK$4,939/mo
Today · 4.125%
HK$166,079
baseline
▲ 0.50% · 4.625%
HK$176,184
+HK$10,105/mo
Deposit HK$22.85M · loan HK$34.27M · min. income ≈ HK$332,158/mo (50% DSR)
Upfront cash ≈ HK$25.27M (deposit + AVD stamp duty HK$2,427,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,858
−HK$9,393/mo
▼ 0.25% · 3.875%
HK$178,521
−HK$4,730/mo
Today · 4.125%
HK$183,251
baseline
▲ 0.50% · 4.625%
HK$192,911
+HK$9,660/mo
Deposit HK$22.85M · loan HK$34.27M · min. income ≈ HK$366,502/mo (50% DSR)
Upfront cash ≈ HK$25.27M (deposit + AVD stamp duty HK$2,427,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,325
−HK$11,433/mo
▼ 0.25% · 3.875%
HK$187,996
−HK$5,762/mo
Today · 4.125%
HK$193,758
baseline
▲ 0.50% · 4.625%
HK$205,548
+HK$11,790/mo
Deposit HK$17.13M · loan HK$39.98M · min. income ≈ HK$387,516/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$2,427,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,835
−HK$10,958/mo
▼ 0.25% · 3.875%
HK$208,275
−HK$5,518/mo
Today · 4.125%
HK$213,793
baseline
▲ 0.50% · 4.625%
HK$225,063
+HK$11,270/mo
Deposit HK$17.13M · loan HK$39.98M · min. income ≈ HK$427,586/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$2,427,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,418
−HK$14,700/mo
▼ 0.25% · 3.875%
HK$241,710
−HK$7,408/mo
Today · 4.125%
HK$249,118
baseline
▲ 0.50% · 4.625%
HK$264,276
+HK$15,158/mo
Deposit HK$5.71M · loan HK$51.40M · min. income ≈ HK$498,236/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$2,427,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,788
−HK$14,089/mo
▼ 0.25% · 3.875%
HK$267,782
−HK$7,095/mo
Today · 4.125%
HK$274,877
baseline
▲ 0.50% · 4.625%
HK$289,366
+HK$14,489/mo
Deposit HK$5.71M · loan HK$51.40M · min. income ≈ HK$549,754/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$2,427,300 · Scale 2, in force from 26 Feb 2026)