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$130,197
−HK$8,164/mo
▼ 0.25% · 3.875%
HK$134,247
−HK$4,114/mo
Today · 4.125%
HK$138,361
baseline
▲ 0.50% · 4.625%
HK$146,780
+HK$8,419/mo
Deposit HK$28.55M · loan HK$28.55M · min. income ≈ HK$276,722/mo (50% DSR)
Upfront cash ≈ HK$30.98M (deposit + AVD stamp duty HK$2,426,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,843
−HK$7,825/mo
▼ 0.25% · 3.875%
HK$148,727
−HK$3,941/mo
Today · 4.125%
HK$152,668
baseline
▲ 0.50% · 4.625%
HK$160,716
+HK$8,048/mo
Deposit HK$28.55M · loan HK$28.55M · min. income ≈ HK$305,336/mo (50% DSR)
Upfront cash ≈ HK$30.98M (deposit + AVD stamp duty HK$2,426,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,236
−HK$9,798/mo
▼ 0.25% · 3.875%
HK$161,096
−HK$4,938/mo
Today · 4.125%
HK$166,034
baseline
▲ 0.50% · 4.625%
HK$176,136
+HK$10,102/mo
Deposit HK$22.84M · loan HK$34.26M · min. income ≈ HK$332,068/mo (50% DSR)
Upfront cash ≈ HK$25.27M (deposit + AVD stamp duty HK$2,426,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,811
−HK$9,391/mo
▼ 0.25% · 3.875%
HK$178,473
−HK$4,729/mo
Today · 4.125%
HK$183,202
baseline
▲ 0.50% · 4.625%
HK$192,859
+HK$9,657/mo
Deposit HK$22.84M · loan HK$34.26M · min. income ≈ HK$366,404/mo (50% DSR)
Upfront cash ≈ HK$25.27M (deposit + AVD stamp duty HK$2,426,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,276
−HK$11,430/mo
▼ 0.25% · 3.875%
HK$187,945
−HK$5,761/mo
Today · 4.125%
HK$193,706
baseline
▲ 0.50% · 4.625%
HK$205,493
+HK$11,787/mo
Deposit HK$17.13M · loan HK$39.97M · min. income ≈ HK$387,412/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$2,426,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,780
−HK$10,955/mo
▼ 0.25% · 3.875%
HK$208,218
−HK$5,517/mo
Today · 4.125%
HK$213,735
baseline
▲ 0.50% · 4.625%
HK$225,002
+HK$11,267/mo
Deposit HK$17.13M · loan HK$39.97M · min. income ≈ HK$427,470/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$2,426,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,354
−HK$14,697/mo
▼ 0.25% · 3.875%
HK$241,644
−HK$7,407/mo
Today · 4.125%
HK$249,051
baseline
▲ 0.50% · 4.625%
HK$264,205
+HK$15,154/mo
Deposit HK$5.71M · loan HK$51.39M · min. income ≈ HK$498,102/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$2,426,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,717
−HK$14,086/mo
▼ 0.25% · 3.875%
HK$267,709
−HK$7,094/mo
Today · 4.125%
HK$274,803
baseline
▲ 0.50% · 4.625%
HK$289,288
+HK$14,485/mo
Deposit HK$5.71M · loan HK$51.39M · min. income ≈ HK$549,606/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$2,426,644 · Scale 2, in force from 26 Feb 2026)