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$130,642
−HK$8,192/mo
▼ 0.25% · 3.875%
HK$134,705
−HK$4,129/mo
Today · 4.125%
HK$138,834
baseline
▲ 0.50% · 4.625%
HK$147,282
+HK$8,448/mo
Deposit HK$28.65M · loan HK$28.65M · min. income ≈ HK$277,668/mo (50% DSR)
Upfront cash ≈ HK$31.08M (deposit + AVD stamp duty HK$2,434,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,338
−HK$7,852/mo
▼ 0.25% · 3.875%
HK$149,235
−HK$3,955/mo
Today · 4.125%
HK$153,190
baseline
▲ 0.50% · 4.625%
HK$161,264
+HK$8,074/mo
Deposit HK$28.65M · loan HK$28.65M · min. income ≈ HK$306,380/mo (50% DSR)
Upfront cash ≈ HK$31.08M (deposit + AVD stamp duty HK$2,434,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,770
−HK$9,831/mo
▼ 0.25% · 3.875%
HK$161,646
−HK$4,955/mo
Today · 4.125%
HK$166,601
baseline
▲ 0.50% · 4.625%
HK$176,738
+HK$10,137/mo
Deposit HK$22.92M · loan HK$34.38M · min. income ≈ HK$333,202/mo (50% DSR)
Upfront cash ≈ HK$25.35M (deposit + AVD stamp duty HK$2,434,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,405
−HK$9,423/mo
▼ 0.25% · 3.875%
HK$179,082
−HK$4,746/mo
Today · 4.125%
HK$183,828
baseline
▲ 0.50% · 4.625%
HK$193,517
+HK$9,689/mo
Deposit HK$22.92M · loan HK$34.38M · min. income ≈ HK$367,656/mo (50% DSR)
Upfront cash ≈ HK$25.35M (deposit + AVD stamp duty HK$2,434,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,898
−HK$11,470/mo
▼ 0.25% · 3.875%
HK$188,587
−HK$5,781/mo
Today · 4.125%
HK$194,368
baseline
▲ 0.50% · 4.625%
HK$206,194
+HK$11,826/mo
Deposit HK$17.19M · loan HK$40.10M · min. income ≈ HK$388,736/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$2,434,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,473
−HK$10,992/mo
▼ 0.25% · 3.875%
HK$208,930
−HK$5,535/mo
Today · 4.125%
HK$214,465
baseline
▲ 0.50% · 4.625%
HK$225,770
+HK$11,305/mo
Deposit HK$17.19M · loan HK$40.10M · min. income ≈ HK$428,930/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$2,434,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,155
−HK$14,746/mo
▼ 0.25% · 3.875%
HK$242,470
−HK$7,431/mo
Today · 4.125%
HK$249,901
baseline
▲ 0.50% · 4.625%
HK$265,107
+HK$15,206/mo
Deposit HK$5.73M · loan HK$51.56M · min. income ≈ HK$499,802/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$2,434,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,608
−HK$14,133/mo
▼ 0.25% · 3.875%
HK$268,624
−HK$7,117/mo
Today · 4.125%
HK$275,741
baseline
▲ 0.50% · 4.625%
HK$290,276
+HK$14,535/mo
Deposit HK$5.73M · loan HK$51.56M · min. income ≈ HK$551,482/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$2,434,932 · Scale 2, in force from 26 Feb 2026)