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$131,394
−HK$8,239/mo
▼ 0.25% · 3.875%
HK$135,481
−HK$4,152/mo
Today · 4.125%
HK$139,633
baseline
▲ 0.50% · 4.625%
HK$148,130
+HK$8,497/mo
Deposit HK$28.81M · loan HK$28.81M · min. income ≈ HK$279,266/mo (50% DSR)
Upfront cash ≈ HK$31.26M (deposit + AVD stamp duty HK$2,448,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,174
−HK$7,898/mo
▼ 0.25% · 3.875%
HK$150,095
−HK$3,977/mo
Today · 4.125%
HK$154,072
baseline
▲ 0.50% · 4.625%
HK$162,193
+HK$8,121/mo
Deposit HK$28.81M · loan HK$28.81M · min. income ≈ HK$308,144/mo (50% DSR)
Upfront cash ≈ HK$31.26M (deposit + AVD stamp duty HK$2,448,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,672
−HK$9,888/mo
▼ 0.25% · 3.875%
HK$162,577
−HK$4,983/mo
Today · 4.125%
HK$167,560
baseline
▲ 0.50% · 4.625%
HK$177,756
+HK$10,196/mo
Deposit HK$23.05M · loan HK$34.57M · min. income ≈ HK$335,120/mo (50% DSR)
Upfront cash ≈ HK$25.50M (deposit + AVD stamp duty HK$2,448,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,409
−HK$9,477/mo
▼ 0.25% · 3.875%
HK$180,113
−HK$4,773/mo
Today · 4.125%
HK$184,886
baseline
▲ 0.50% · 4.625%
HK$194,631
+HK$9,745/mo
Deposit HK$23.05M · loan HK$34.57M · min. income ≈ HK$369,772/mo (50% DSR)
Upfront cash ≈ HK$25.50M (deposit + AVD stamp duty HK$2,448,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,951
−HK$11,536/mo
▼ 0.25% · 3.875%
HK$189,673
−HK$5,814/mo
Today · 4.125%
HK$195,487
baseline
▲ 0.50% · 4.625%
HK$207,381
+HK$11,894/mo
Deposit HK$17.29M · loan HK$40.34M · min. income ≈ HK$390,974/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$2,448,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,644
−HK$11,056/mo
▼ 0.25% · 3.875%
HK$210,132
−HK$5,568/mo
Today · 4.125%
HK$215,700
baseline
▲ 0.50% · 4.625%
HK$227,070
+HK$11,370/mo
Deposit HK$17.29M · loan HK$40.34M · min. income ≈ HK$431,400/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$2,448,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,509
−HK$14,831/mo
▼ 0.25% · 3.875%
HK$243,865
−HK$7,475/mo
Today · 4.125%
HK$251,340
baseline
▲ 0.50% · 4.625%
HK$266,633
+HK$15,293/mo
Deposit HK$5.76M · loan HK$51.86M · min. income ≈ HK$502,680/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$2,448,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,114
−HK$14,215/mo
▼ 0.25% · 3.875%
HK$270,170
−HK$7,159/mo
Today · 4.125%
HK$277,329
baseline
▲ 0.50% · 4.625%
HK$291,947
+HK$14,618/mo
Deposit HK$5.76M · loan HK$51.86M · min. income ≈ HK$554,658/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$2,448,950 · Scale 2, in force from 26 Feb 2026)