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$130,639
−HK$8,192/mo
▼ 0.25% · 3.875%
HK$134,703
−HK$4,128/mo
Today · 4.125%
HK$138,831
baseline
▲ 0.50% · 4.625%
HK$147,279
+HK$8,448/mo
Deposit HK$28.65M · loan HK$28.65M · min. income ≈ HK$277,662/mo (50% DSR)
Upfront cash ≈ HK$31.08M (deposit + AVD stamp duty HK$2,434,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,334
−HK$7,852/mo
▼ 0.25% · 3.875%
HK$149,232
−HK$3,954/mo
Today · 4.125%
HK$153,186
baseline
▲ 0.50% · 4.625%
HK$161,261
+HK$8,075/mo
Deposit HK$28.65M · loan HK$28.65M · min. income ≈ HK$306,372/mo (50% DSR)
Upfront cash ≈ HK$31.08M (deposit + AVD stamp duty HK$2,434,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,767
−HK$9,830/mo
▼ 0.25% · 3.875%
HK$161,643
−HK$4,954/mo
Today · 4.125%
HK$166,597
baseline
▲ 0.50% · 4.625%
HK$176,734
+HK$10,137/mo
Deposit HK$22.92M · loan HK$34.37M · min. income ≈ HK$333,194/mo (50% DSR)
Upfront cash ≈ HK$25.35M (deposit + AVD stamp duty HK$2,434,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,401
−HK$9,423/mo
▼ 0.25% · 3.875%
HK$179,079
−HK$4,745/mo
Today · 4.125%
HK$183,824
baseline
▲ 0.50% · 4.625%
HK$193,513
+HK$9,689/mo
Deposit HK$22.92M · loan HK$34.37M · min. income ≈ HK$367,648/mo (50% DSR)
Upfront cash ≈ HK$25.35M (deposit + AVD stamp duty HK$2,434,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,894
−HK$11,470/mo
▼ 0.25% · 3.875%
HK$188,584
−HK$5,780/mo
Today · 4.125%
HK$194,364
baseline
▲ 0.50% · 4.625%
HK$206,190
+HK$11,826/mo
Deposit HK$17.19M · loan HK$40.10M · min. income ≈ HK$388,728/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$2,434,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,468
−HK$10,993/mo
▼ 0.25% · 3.875%
HK$208,925
−HK$5,536/mo
Today · 4.125%
HK$214,461
baseline
▲ 0.50% · 4.625%
HK$225,766
+HK$11,305/mo
Deposit HK$17.19M · loan HK$40.10M · min. income ≈ HK$428,922/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$2,434,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,150
−HK$14,746/mo
▼ 0.25% · 3.875%
HK$242,465
−HK$7,431/mo
Today · 4.125%
HK$249,896
baseline
▲ 0.50% · 4.625%
HK$265,102
+HK$15,206/mo
Deposit HK$5.73M · loan HK$51.56M · min. income ≈ HK$499,792/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$2,434,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,602
−HK$14,134/mo
▼ 0.25% · 3.875%
HK$268,618
−HK$7,118/mo
Today · 4.125%
HK$275,736
baseline
▲ 0.50% · 4.625%
HK$290,270
+HK$14,534/mo
Deposit HK$5.73M · loan HK$51.56M · min. income ≈ HK$551,472/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$2,434,882 · Scale 2, in force from 26 Feb 2026)