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$129,246
−HK$8,104/mo
▼ 0.25% · 3.875%
HK$133,266
−HK$4,084/mo
Today · 4.125%
HK$137,350
baseline
▲ 0.50% · 4.625%
HK$145,708
+HK$8,358/mo
Deposit HK$28.34M · loan HK$28.34M · min. income ≈ HK$274,700/mo (50% DSR)
Upfront cash ≈ HK$30.75M (deposit + AVD stamp duty HK$2,408,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,784
−HK$7,769/mo
▼ 0.25% · 3.875%
HK$147,641
−HK$3,912/mo
Today · 4.125%
HK$151,553
baseline
▲ 0.50% · 4.625%
HK$159,541
+HK$7,988/mo
Deposit HK$28.34M · loan HK$28.34M · min. income ≈ HK$303,106/mo (50% DSR)
Upfront cash ≈ HK$30.75M (deposit + AVD stamp duty HK$2,408,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,095
−HK$9,725/mo
▼ 0.25% · 3.875%
HK$159,919
−HK$4,901/mo
Today · 4.125%
HK$164,820
baseline
▲ 0.50% · 4.625%
HK$174,849
+HK$10,029/mo
Deposit HK$22.67M · loan HK$34.01M · min. income ≈ HK$329,640/mo (50% DSR)
Upfront cash ≈ HK$25.08M (deposit + AVD stamp duty HK$2,408,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,541
−HK$9,322/mo
▼ 0.25% · 3.875%
HK$177,169
−HK$4,694/mo
Today · 4.125%
HK$181,863
baseline
▲ 0.50% · 4.625%
HK$191,449
+HK$9,586/mo
Deposit HK$22.67M · loan HK$34.01M · min. income ≈ HK$363,726/mo (50% DSR)
Upfront cash ≈ HK$25.08M (deposit + AVD stamp duty HK$2,408,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,944
−HK$11,347/mo
▼ 0.25% · 3.875%
HK$186,572
−HK$5,719/mo
Today · 4.125%
HK$192,291
baseline
▲ 0.50% · 4.625%
HK$203,991
+HK$11,700/mo
Deposit HK$17.00M · loan HK$39.68M · min. income ≈ HK$384,582/mo (50% DSR)
Upfront cash ≈ HK$19.41M (deposit + AVD stamp duty HK$2,408,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,298
−HK$10,876/mo
▼ 0.25% · 3.875%
HK$206,697
−HK$5,477/mo
Today · 4.125%
HK$212,174
baseline
▲ 0.50% · 4.625%
HK$223,358
+HK$11,184/mo
Deposit HK$17.00M · loan HK$39.68M · min. income ≈ HK$424,348/mo (50% DSR)
Upfront cash ≈ HK$19.41M (deposit + AVD stamp duty HK$2,408,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,642
−HK$14,589/mo
▼ 0.25% · 3.875%
HK$239,878
−HK$7,353/mo
Today · 4.125%
HK$247,231
baseline
▲ 0.50% · 4.625%
HK$262,274
+HK$15,043/mo
Deposit HK$5.67M · loan HK$51.01M · min. income ≈ HK$494,462/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$2,408,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,812
−HK$13,983/mo
▼ 0.25% · 3.875%
HK$265,753
−HK$7,042/mo
Today · 4.125%
HK$272,795
baseline
▲ 0.50% · 4.625%
HK$287,174
+HK$14,379/mo
Deposit HK$5.67M · loan HK$51.01M · min. income ≈ HK$545,590/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$2,408,912 · Scale 2, in force from 26 Feb 2026)