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$131,121
−HK$8,222/mo
▼ 0.25% · 3.875%
HK$135,199
−HK$4,144/mo
Today · 4.125%
HK$139,343
baseline
▲ 0.50% · 4.625%
HK$147,822
+HK$8,479/mo
Deposit HK$28.75M · loan HK$28.75M · min. income ≈ HK$278,686/mo (50% DSR)
Upfront cash ≈ HK$31.20M (deposit + AVD stamp duty HK$2,443,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,871
−HK$7,880/mo
▼ 0.25% · 3.875%
HK$149,783
−HK$3,968/mo
Today · 4.125%
HK$153,751
baseline
▲ 0.50% · 4.625%
HK$161,856
+HK$8,105/mo
Deposit HK$28.75M · loan HK$28.75M · min. income ≈ HK$307,502/mo (50% DSR)
Upfront cash ≈ HK$31.20M (deposit + AVD stamp duty HK$2,443,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,345
−HK$9,867/mo
▼ 0.25% · 3.875%
HK$162,239
−HK$4,973/mo
Today · 4.125%
HK$167,212
baseline
▲ 0.50% · 4.625%
HK$177,386
+HK$10,174/mo
Deposit HK$23.00M · loan HK$34.50M · min. income ≈ HK$334,424/mo (50% DSR)
Upfront cash ≈ HK$25.44M (deposit + AVD stamp duty HK$2,443,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,045
−HK$9,457/mo
▼ 0.25% · 3.875%
HK$179,739
−HK$4,763/mo
Today · 4.125%
HK$184,502
baseline
▲ 0.50% · 4.625%
HK$194,227
+HK$9,725/mo
Deposit HK$23.00M · loan HK$34.50M · min. income ≈ HK$369,004/mo (50% DSR)
Upfront cash ≈ HK$25.44M (deposit + AVD stamp duty HK$2,443,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,569
−HK$11,511/mo
▼ 0.25% · 3.875%
HK$189,279
−HK$5,801/mo
Today · 4.125%
HK$195,080
baseline
▲ 0.50% · 4.625%
HK$206,951
+HK$11,871/mo
Deposit HK$17.25M · loan HK$40.25M · min. income ≈ HK$390,160/mo (50% DSR)
Upfront cash ≈ HK$19.69M (deposit + AVD stamp duty HK$2,443,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,219
−HK$11,033/mo
▼ 0.25% · 3.875%
HK$209,696
−HK$5,556/mo
Today · 4.125%
HK$215,252
baseline
▲ 0.50% · 4.625%
HK$226,598
+HK$11,346/mo
Deposit HK$17.25M · loan HK$40.25M · min. income ≈ HK$430,504/mo (50% DSR)
Upfront cash ≈ HK$19.69M (deposit + AVD stamp duty HK$2,443,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,017
−HK$14,801/mo
▼ 0.25% · 3.875%
HK$243,359
−HK$7,459/mo
Today · 4.125%
HK$250,818
baseline
▲ 0.50% · 4.625%
HK$266,079
+HK$15,261/mo
Deposit HK$5.75M · loan HK$51.75M · min. income ≈ HK$501,636/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$2,443,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,567
−HK$14,186/mo
▼ 0.25% · 3.875%
HK$269,609
−HK$7,144/mo
Today · 4.125%
HK$276,753
baseline
▲ 0.50% · 4.625%
HK$291,341
+HK$14,588/mo
Deposit HK$5.75M · loan HK$51.75M · min. income ≈ HK$553,506/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$2,443,862 · Scale 2, in force from 26 Feb 2026)