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$131,114
−HK$8,222/mo
▼ 0.25% · 3.875%
HK$135,193
−HK$4,143/mo
Today · 4.125%
HK$139,336
baseline
▲ 0.50% · 4.625%
HK$147,814
+HK$8,478/mo
Deposit HK$28.75M · loan HK$28.75M · min. income ≈ HK$278,672/mo (50% DSR)
Upfront cash ≈ HK$31.19M (deposit + AVD stamp duty HK$2,443,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,863
−HK$7,881/mo
▼ 0.25% · 3.875%
HK$149,775
−HK$3,969/mo
Today · 4.125%
HK$153,744
baseline
▲ 0.50% · 4.625%
HK$161,848
+HK$8,104/mo
Deposit HK$28.75M · loan HK$28.75M · min. income ≈ HK$307,488/mo (50% DSR)
Upfront cash ≈ HK$31.19M (deposit + AVD stamp duty HK$2,443,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,337
−HK$9,866/mo
▼ 0.25% · 3.875%
HK$162,231
−HK$4,972/mo
Today · 4.125%
HK$167,203
baseline
▲ 0.50% · 4.625%
HK$177,377
+HK$10,174/mo
Deposit HK$23.00M · loan HK$34.50M · min. income ≈ HK$334,406/mo (50% DSR)
Upfront cash ≈ HK$25.44M (deposit + AVD stamp duty HK$2,443,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,036
−HK$9,456/mo
▼ 0.25% · 3.875%
HK$179,730
−HK$4,762/mo
Today · 4.125%
HK$184,492
baseline
▲ 0.50% · 4.625%
HK$194,217
+HK$9,725/mo
Deposit HK$23.00M · loan HK$34.50M · min. income ≈ HK$368,984/mo (50% DSR)
Upfront cash ≈ HK$25.44M (deposit + AVD stamp duty HK$2,443,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,560
−HK$11,511/mo
▼ 0.25% · 3.875%
HK$189,270
−HK$5,801/mo
Today · 4.125%
HK$195,071
baseline
▲ 0.50% · 4.625%
HK$206,940
+HK$11,869/mo
Deposit HK$17.25M · loan HK$40.25M · min. income ≈ HK$390,142/mo (50% DSR)
Upfront cash ≈ HK$19.69M (deposit + AVD stamp duty HK$2,443,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,208
−HK$11,033/mo
▼ 0.25% · 3.875%
HK$209,685
−HK$5,556/mo
Today · 4.125%
HK$215,241
baseline
▲ 0.50% · 4.625%
HK$226,587
+HK$11,346/mo
Deposit HK$17.25M · loan HK$40.25M · min. income ≈ HK$430,482/mo (50% DSR)
Upfront cash ≈ HK$19.69M (deposit + AVD stamp duty HK$2,443,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,006
−HK$14,799/mo
▼ 0.25% · 3.875%
HK$243,347
−HK$7,458/mo
Today · 4.125%
HK$250,805
baseline
▲ 0.50% · 4.625%
HK$266,066
+HK$15,261/mo
Deposit HK$5.75M · loan HK$51.75M · min. income ≈ HK$501,610/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$2,443,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,554
−HK$14,185/mo
▼ 0.25% · 3.875%
HK$269,595
−HK$7,144/mo
Today · 4.125%
HK$276,739
baseline
▲ 0.50% · 4.625%
HK$291,326
+HK$14,587/mo
Deposit HK$5.75M · loan HK$51.75M · min. income ≈ HK$553,478/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$2,443,740 · Scale 2, in force from 26 Feb 2026)