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$129,154
−HK$8,099/mo
▼ 0.25% · 3.875%
HK$133,171
−HK$4,082/mo
Today · 4.125%
HK$137,253
baseline
▲ 0.50% · 4.625%
HK$145,604
+HK$8,351/mo
Deposit HK$28.32M · loan HK$28.32M · min. income ≈ HK$274,506/mo (50% DSR)
Upfront cash ≈ HK$30.73M (deposit + AVD stamp duty HK$2,407,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,682
−HK$7,763/mo
▼ 0.25% · 3.875%
HK$147,535
−HK$3,910/mo
Today · 4.125%
HK$151,445
baseline
▲ 0.50% · 4.625%
HK$159,428
+HK$7,983/mo
Deposit HK$28.32M · loan HK$28.32M · min. income ≈ HK$302,890/mo (50% DSR)
Upfront cash ≈ HK$30.73M (deposit + AVD stamp duty HK$2,407,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,984
−HK$9,719/mo
▼ 0.25% · 3.875%
HK$159,805
−HK$4,898/mo
Today · 4.125%
HK$164,703
baseline
▲ 0.50% · 4.625%
HK$174,725
+HK$10,022/mo
Deposit HK$22.66M · loan HK$33.98M · min. income ≈ HK$329,406/mo (50% DSR)
Upfront cash ≈ HK$25.06M (deposit + AVD stamp duty HK$2,407,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,418
−HK$9,316/mo
▼ 0.25% · 3.875%
HK$177,043
−HK$4,691/mo
Today · 4.125%
HK$181,734
baseline
▲ 0.50% · 4.625%
HK$191,313
+HK$9,579/mo
Deposit HK$22.66M · loan HK$33.98M · min. income ≈ HK$363,468/mo (50% DSR)
Upfront cash ≈ HK$25.06M (deposit + AVD stamp duty HK$2,407,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,815
−HK$11,339/mo
▼ 0.25% · 3.875%
HK$186,439
−HK$5,715/mo
Today · 4.125%
HK$192,154
baseline
▲ 0.50% · 4.625%
HK$203,846
+HK$11,692/mo
Deposit HK$16.99M · loan HK$39.65M · min. income ≈ HK$384,308/mo (50% DSR)
Upfront cash ≈ HK$19.40M (deposit + AVD stamp duty HK$2,407,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,155
−HK$10,868/mo
▼ 0.25% · 3.875%
HK$206,550
−HK$5,473/mo
Today · 4.125%
HK$212,023
baseline
▲ 0.50% · 4.625%
HK$223,199
+HK$11,176/mo
Deposit HK$16.99M · loan HK$39.65M · min. income ≈ HK$424,046/mo (50% DSR)
Upfront cash ≈ HK$19.40M (deposit + AVD stamp duty HK$2,407,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,476
−HK$14,579/mo
▼ 0.25% · 3.875%
HK$239,708
−HK$7,347/mo
Today · 4.125%
HK$247,055
baseline
▲ 0.50% · 4.625%
HK$262,087
+HK$15,032/mo
Deposit HK$5.66M · loan HK$50.98M · min. income ≈ HK$494,110/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$2,407,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,628
−HK$13,972/mo
▼ 0.25% · 3.875%
HK$265,564
−HK$7,036/mo
Today · 4.125%
HK$272,600
baseline
▲ 0.50% · 4.625%
HK$286,970
+HK$14,370/mo
Deposit HK$5.66M · loan HK$50.98M · min. income ≈ HK$545,200/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$2,407,197 · Scale 2, in force from 26 Feb 2026)