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$128,988
−HK$8,089/mo
▼ 0.25% · 3.875%
HK$133,001
−HK$4,076/mo
Today · 4.125%
HK$137,077
baseline
▲ 0.50% · 4.625%
HK$145,418
+HK$8,341/mo
Deposit HK$28.28M · loan HK$28.28M · min. income ≈ HK$274,154/mo (50% DSR)
Upfront cash ≈ HK$30.69M (deposit + AVD stamp duty HK$2,404,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,498
−HK$7,753/mo
▼ 0.25% · 3.875%
HK$147,347
−HK$3,904/mo
Today · 4.125%
HK$151,251
baseline
▲ 0.50% · 4.625%
HK$159,224
+HK$7,973/mo
Deposit HK$28.28M · loan HK$28.28M · min. income ≈ HK$302,502/mo (50% DSR)
Upfront cash ≈ HK$30.69M (deposit + AVD stamp duty HK$2,404,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,786
−HK$9,707/mo
▼ 0.25% · 3.875%
HK$159,601
−HK$4,892/mo
Today · 4.125%
HK$164,493
baseline
▲ 0.50% · 4.625%
HK$174,502
+HK$10,009/mo
Deposit HK$22.63M · loan HK$33.94M · min. income ≈ HK$328,986/mo (50% DSR)
Upfront cash ≈ HK$25.03M (deposit + AVD stamp duty HK$2,404,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,198
−HK$9,303/mo
▼ 0.25% · 3.875%
HK$176,816
−HK$4,685/mo
Today · 4.125%
HK$181,501
baseline
▲ 0.50% · 4.625%
HK$191,069
+HK$9,568/mo
Deposit HK$22.63M · loan HK$33.94M · min. income ≈ HK$363,002/mo (50% DSR)
Upfront cash ≈ HK$25.03M (deposit + AVD stamp duty HK$2,404,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,584
−HK$11,324/mo
▼ 0.25% · 3.875%
HK$186,201
−HK$5,707/mo
Today · 4.125%
HK$191,908
baseline
▲ 0.50% · 4.625%
HK$203,585
+HK$11,677/mo
Deposit HK$16.97M · loan HK$39.60M · min. income ≈ HK$383,816/mo (50% DSR)
Upfront cash ≈ HK$19.37M (deposit + AVD stamp duty HK$2,404,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,898
−HK$10,854/mo
▼ 0.25% · 3.875%
HK$206,286
−HK$5,466/mo
Today · 4.125%
HK$211,752
baseline
▲ 0.50% · 4.625%
HK$222,913
+HK$11,161/mo
Deposit HK$16.97M · loan HK$39.60M · min. income ≈ HK$423,504/mo (50% DSR)
Upfront cash ≈ HK$19.37M (deposit + AVD stamp duty HK$2,404,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,179
−HK$14,560/mo
▼ 0.25% · 3.875%
HK$239,401
−HK$7,338/mo
Today · 4.125%
HK$246,739
baseline
▲ 0.50% · 4.625%
HK$261,752
+HK$15,013/mo
Deposit HK$5.66M · loan HK$50.91M · min. income ≈ HK$493,478/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$2,404,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,297
−HK$13,955/mo
▼ 0.25% · 3.875%
HK$265,224
−HK$7,028/mo
Today · 4.125%
HK$272,252
baseline
▲ 0.50% · 4.625%
HK$286,603
+HK$14,351/mo
Deposit HK$5.66M · loan HK$50.91M · min. income ≈ HK$544,504/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$2,404,120 · Scale 2, in force from 26 Feb 2026)