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$130,646
−HK$8,193/mo
▼ 0.25% · 3.875%
HK$134,710
−HK$4,129/mo
Today · 4.125%
HK$138,839
baseline
▲ 0.50% · 4.625%
HK$147,287
+HK$8,448/mo
Deposit HK$28.65M · loan HK$28.65M · min. income ≈ HK$277,678/mo (50% DSR)
Upfront cash ≈ HK$31.08M (deposit + AVD stamp duty HK$2,435,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,342
−HK$7,853/mo
▼ 0.25% · 3.875%
HK$149,240
−HK$3,955/mo
Today · 4.125%
HK$153,195
baseline
▲ 0.50% · 4.625%
HK$161,270
+HK$8,075/mo
Deposit HK$28.65M · loan HK$28.65M · min. income ≈ HK$306,390/mo (50% DSR)
Upfront cash ≈ HK$31.08M (deposit + AVD stamp duty HK$2,435,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,775
−HK$9,831/mo
▼ 0.25% · 3.875%
HK$161,652
−HK$4,954/mo
Today · 4.125%
HK$166,606
baseline
▲ 0.50% · 4.625%
HK$176,744
+HK$10,138/mo
Deposit HK$22.92M · loan HK$34.38M · min. income ≈ HK$333,212/mo (50% DSR)
Upfront cash ≈ HK$25.35M (deposit + AVD stamp duty HK$2,435,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,411
−HK$9,423/mo
▼ 0.25% · 3.875%
HK$179,088
−HK$4,746/mo
Today · 4.125%
HK$183,834
baseline
▲ 0.50% · 4.625%
HK$193,524
+HK$9,690/mo
Deposit HK$22.92M · loan HK$34.38M · min. income ≈ HK$367,668/mo (50% DSR)
Upfront cash ≈ HK$25.35M (deposit + AVD stamp duty HK$2,435,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,904
−HK$11,470/mo
▼ 0.25% · 3.875%
HK$188,594
−HK$5,780/mo
Today · 4.125%
HK$194,374
baseline
▲ 0.50% · 4.625%
HK$206,201
+HK$11,827/mo
Deposit HK$17.19M · loan HK$40.11M · min. income ≈ HK$388,748/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$2,435,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,479
−HK$10,994/mo
▼ 0.25% · 3.875%
HK$208,937
−HK$5,536/mo
Today · 4.125%
HK$214,473
baseline
▲ 0.50% · 4.625%
HK$225,778
+HK$11,305/mo
Deposit HK$17.19M · loan HK$40.11M · min. income ≈ HK$428,946/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$2,435,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,163
−HK$14,747/mo
▼ 0.25% · 3.875%
HK$242,478
−HK$7,432/mo
Today · 4.125%
HK$249,910
baseline
▲ 0.50% · 4.625%
HK$265,116
+HK$15,206/mo
Deposit HK$5.73M · loan HK$51.56M · min. income ≈ HK$499,820/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$2,435,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,616
−HK$14,135/mo
▼ 0.25% · 3.875%
HK$268,633
−HK$7,118/mo
Today · 4.125%
HK$275,751
baseline
▲ 0.50% · 4.625%
HK$290,286
+HK$14,535/mo
Deposit HK$5.73M · loan HK$51.56M · min. income ≈ HK$551,502/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$2,435,014 · Scale 2, in force from 26 Feb 2026)