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$129,505
−HK$8,122/mo
▼ 0.25% · 3.875%
HK$133,534
−HK$4,093/mo
Today · 4.125%
HK$137,627
baseline
▲ 0.50% · 4.625%
HK$146,001
+HK$8,374/mo
Deposit HK$28.40M · loan HK$28.40M · min. income ≈ HK$275,254/mo (50% DSR)
Upfront cash ≈ HK$30.81M (deposit + AVD stamp duty HK$2,413,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,074
−HK$7,783/mo
▼ 0.25% · 3.875%
HK$147,938
−HK$3,919/mo
Today · 4.125%
HK$151,857
baseline
▲ 0.50% · 4.625%
HK$159,862
+HK$8,005/mo
Deposit HK$28.40M · loan HK$28.40M · min. income ≈ HK$303,714/mo (50% DSR)
Upfront cash ≈ HK$30.81M (deposit + AVD stamp duty HK$2,413,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,407
−HK$9,745/mo
▼ 0.25% · 3.875%
HK$160,241
−HK$4,911/mo
Today · 4.125%
HK$165,152
baseline
▲ 0.50% · 4.625%
HK$175,201
+HK$10,049/mo
Deposit HK$22.72M · loan HK$34.08M · min. income ≈ HK$330,304/mo (50% DSR)
Upfront cash ≈ HK$25.13M (deposit + AVD stamp duty HK$2,413,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,888
−HK$9,341/mo
▼ 0.25% · 3.875%
HK$177,525
−HK$4,704/mo
Today · 4.125%
HK$182,229
baseline
▲ 0.50% · 4.625%
HK$191,834
+HK$9,605/mo
Deposit HK$22.72M · loan HK$34.08M · min. income ≈ HK$364,458/mo (50% DSR)
Upfront cash ≈ HK$25.13M (deposit + AVD stamp duty HK$2,413,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,308
−HK$11,369/mo
▼ 0.25% · 3.875%
HK$186,947
−HK$5,730/mo
Today · 4.125%
HK$192,677
baseline
▲ 0.50% · 4.625%
HK$204,401
+HK$11,724/mo
Deposit HK$17.04M · loan HK$39.76M · min. income ≈ HK$385,354/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$2,413,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,703
−HK$10,897/mo
▼ 0.25% · 3.875%
HK$207,113
−HK$5,487/mo
Today · 4.125%
HK$212,600
baseline
▲ 0.50% · 4.625%
HK$223,807
+HK$11,207/mo
Deposit HK$17.04M · loan HK$39.76M · min. income ≈ HK$425,200/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$2,413,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,110
−HK$14,618/mo
▼ 0.25% · 3.875%
HK$240,361
−HK$7,367/mo
Today · 4.125%
HK$247,728
baseline
▲ 0.50% · 4.625%
HK$262,802
+HK$15,074/mo
Deposit HK$5.68M · loan HK$51.11M · min. income ≈ HK$495,456/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$2,413,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,332
−HK$14,011/mo
▼ 0.25% · 3.875%
HK$266,288
−HK$7,055/mo
Today · 4.125%
HK$273,343
baseline
▲ 0.50% · 4.625%
HK$287,752
+HK$14,409/mo
Deposit HK$5.68M · loan HK$51.11M · min. income ≈ HK$546,686/mo (50% DSR)
Upfront cash ≈ HK$8.09M (deposit + AVD stamp duty HK$2,413,756 · Scale 2, in force from 26 Feb 2026)