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$129,322
−HK$8,109/mo
▼ 0.25% · 3.875%
HK$133,344
−HK$4,087/mo
Today · 4.125%
HK$137,431
baseline
▲ 0.50% · 4.625%
HK$145,794
+HK$8,363/mo
Deposit HK$28.36M · loan HK$28.36M · min. income ≈ HK$274,862/mo (50% DSR)
Upfront cash ≈ HK$30.77M (deposit + AVD stamp duty HK$2,410,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,869
−HK$7,773/mo
▼ 0.25% · 3.875%
HK$147,728
−HK$3,914/mo
Today · 4.125%
HK$151,642
baseline
▲ 0.50% · 4.625%
HK$159,635
+HK$7,993/mo
Deposit HK$28.36M · loan HK$28.36M · min. income ≈ HK$303,284/mo (50% DSR)
Upfront cash ≈ HK$30.77M (deposit + AVD stamp duty HK$2,410,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,186
−HK$9,732/mo
▼ 0.25% · 3.875%
HK$160,013
−HK$4,905/mo
Today · 4.125%
HK$164,918
baseline
▲ 0.50% · 4.625%
HK$174,953
+HK$10,035/mo
Deposit HK$22.69M · loan HK$34.03M · min. income ≈ HK$329,836/mo (50% DSR)
Upfront cash ≈ HK$25.10M (deposit + AVD stamp duty HK$2,410,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,643
−HK$9,327/mo
▼ 0.25% · 3.875%
HK$177,273
−HK$4,697/mo
Today · 4.125%
HK$181,970
baseline
▲ 0.50% · 4.625%
HK$191,562
+HK$9,592/mo
Deposit HK$22.69M · loan HK$34.03M · min. income ≈ HK$363,940/mo (50% DSR)
Upfront cash ≈ HK$25.10M (deposit + AVD stamp duty HK$2,410,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,051
−HK$11,353/mo
▼ 0.25% · 3.875%
HK$186,682
−HK$5,722/mo
Today · 4.125%
HK$192,404
baseline
▲ 0.50% · 4.625%
HK$204,111
+HK$11,707/mo
Deposit HK$17.01M · loan HK$39.70M · min. income ≈ HK$384,808/mo (50% DSR)
Upfront cash ≈ HK$19.42M (deposit + AVD stamp duty HK$2,410,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,417
−HK$10,882/mo
▼ 0.25% · 3.875%
HK$206,819
−HK$5,480/mo
Today · 4.125%
HK$212,299
baseline
▲ 0.50% · 4.625%
HK$223,489
+HK$11,190/mo
Deposit HK$17.01M · loan HK$39.70M · min. income ≈ HK$424,598/mo (50% DSR)
Upfront cash ≈ HK$19.42M (deposit + AVD stamp duty HK$2,410,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,779
−HK$14,598/mo
▼ 0.25% · 3.875%
HK$240,020
−HK$7,357/mo
Today · 4.125%
HK$247,377
baseline
▲ 0.50% · 4.625%
HK$262,429
+HK$15,052/mo
Deposit HK$5.67M · loan HK$51.04M · min. income ≈ HK$494,754/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$2,410,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,965
−HK$13,991/mo
▼ 0.25% · 3.875%
HK$265,910
−HK$7,046/mo
Today · 4.125%
HK$272,956
baseline
▲ 0.50% · 4.625%
HK$287,344
+HK$14,388/mo
Deposit HK$5.67M · loan HK$51.04M · min. income ≈ HK$545,912/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$2,410,334 · Scale 2, in force from 26 Feb 2026)