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$131,415
−HK$8,241/mo
▼ 0.25% · 3.875%
HK$135,503
−HK$4,153/mo
Today · 4.125%
HK$139,656
baseline
▲ 0.50% · 4.625%
HK$148,153
+HK$8,497/mo
Deposit HK$28.82M · loan HK$28.82M · min. income ≈ HK$279,312/mo (50% DSR)
Upfront cash ≈ HK$31.27M (deposit + AVD stamp duty HK$2,449,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,198
−HK$7,898/mo
▼ 0.25% · 3.875%
HK$150,119
−HK$3,977/mo
Today · 4.125%
HK$154,096
baseline
▲ 0.50% · 4.625%
HK$162,219
+HK$8,123/mo
Deposit HK$28.82M · loan HK$28.82M · min. income ≈ HK$308,192/mo (50% DSR)
Upfront cash ≈ HK$31.27M (deposit + AVD stamp duty HK$2,449,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,698
−HK$9,889/mo
▼ 0.25% · 3.875%
HK$162,603
−HK$4,984/mo
Today · 4.125%
HK$167,587
baseline
▲ 0.50% · 4.625%
HK$177,784
+HK$10,197/mo
Deposit HK$23.05M · loan HK$34.58M · min. income ≈ HK$335,174/mo (50% DSR)
Upfront cash ≈ HK$25.50M (deposit + AVD stamp duty HK$2,449,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,437
−HK$9,479/mo
▼ 0.25% · 3.875%
HK$180,142
−HK$4,774/mo
Today · 4.125%
HK$184,916
baseline
▲ 0.50% · 4.625%
HK$194,663
+HK$9,747/mo
Deposit HK$23.05M · loan HK$34.58M · min. income ≈ HK$369,832/mo (50% DSR)
Upfront cash ≈ HK$25.50M (deposit + AVD stamp duty HK$2,449,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,981
−HK$11,537/mo
▼ 0.25% · 3.875%
HK$189,704
−HK$5,814/mo
Today · 4.125%
HK$195,518
baseline
▲ 0.50% · 4.625%
HK$207,415
+HK$11,897/mo
Deposit HK$17.29M · loan HK$40.34M · min. income ≈ HK$391,036/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$2,449,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,677
−HK$11,058/mo
▼ 0.25% · 3.875%
HK$210,166
−HK$5,569/mo
Today · 4.125%
HK$215,735
baseline
▲ 0.50% · 4.625%
HK$227,106
+HK$11,371/mo
Deposit HK$17.29M · loan HK$40.34M · min. income ≈ HK$431,470/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$2,449,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,547
−HK$14,833/mo
▼ 0.25% · 3.875%
HK$243,905
−HK$7,475/mo
Today · 4.125%
HK$251,380
baseline
▲ 0.50% · 4.625%
HK$266,676
+HK$15,296/mo
Deposit HK$5.76M · loan HK$51.87M · min. income ≈ HK$502,760/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$2,449,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,156
−HK$14,217/mo
▼ 0.25% · 3.875%
HK$270,214
−HK$7,159/mo
Today · 4.125%
HK$277,373
baseline
▲ 0.50% · 4.625%
HK$291,994
+HK$14,621/mo
Deposit HK$5.76M · loan HK$51.87M · min. income ≈ HK$554,746/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$2,449,344 · Scale 2, in force from 26 Feb 2026)