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$130,894
−HK$8,208/mo
▼ 0.25% · 3.875%
HK$134,965
−HK$4,137/mo
Today · 4.125%
HK$139,102
baseline
▲ 0.50% · 4.625%
HK$147,566
+HK$8,464/mo
Deposit HK$28.70M · loan HK$28.70M · min. income ≈ HK$278,204/mo (50% DSR)
Upfront cash ≈ HK$31.14M (deposit + AVD stamp duty HK$2,439,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,618
−HK$7,867/mo
▼ 0.25% · 3.875%
HK$149,523
−HK$3,962/mo
Today · 4.125%
HK$153,485
baseline
▲ 0.50% · 4.625%
HK$161,576
+HK$8,091/mo
Deposit HK$28.70M · loan HK$28.70M · min. income ≈ HK$306,970/mo (50% DSR)
Upfront cash ≈ HK$31.14M (deposit + AVD stamp duty HK$2,439,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,072
−HK$9,850/mo
▼ 0.25% · 3.875%
HK$161,958
−HK$4,964/mo
Today · 4.125%
HK$166,922
baseline
▲ 0.50% · 4.625%
HK$177,079
+HK$10,157/mo
Deposit HK$22.96M · loan HK$34.44M · min. income ≈ HK$333,844/mo (50% DSR)
Upfront cash ≈ HK$25.40M (deposit + AVD stamp duty HK$2,439,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,741
−HK$9,441/mo
▼ 0.25% · 3.875%
HK$179,428
−HK$4,754/mo
Today · 4.125%
HK$184,182
baseline
▲ 0.50% · 4.625%
HK$193,891
+HK$9,709/mo
Deposit HK$22.96M · loan HK$34.44M · min. income ≈ HK$368,364/mo (50% DSR)
Upfront cash ≈ HK$25.40M (deposit + AVD stamp duty HK$2,439,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,251
−HK$11,492/mo
▼ 0.25% · 3.875%
HK$188,951
−HK$5,792/mo
Today · 4.125%
HK$194,743
baseline
▲ 0.50% · 4.625%
HK$206,592
+HK$11,849/mo
Deposit HK$17.22M · loan HK$40.18M · min. income ≈ HK$389,486/mo (50% DSR)
Upfront cash ≈ HK$19.66M (deposit + AVD stamp duty HK$2,439,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,865
−HK$11,014/mo
▼ 0.25% · 3.875%
HK$209,333
−HK$5,546/mo
Today · 4.125%
HK$214,879
baseline
▲ 0.50% · 4.625%
HK$226,206
+HK$11,327/mo
Deposit HK$17.22M · loan HK$40.18M · min. income ≈ HK$429,758/mo (50% DSR)
Upfront cash ≈ HK$19.66M (deposit + AVD stamp duty HK$2,439,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,609
−HK$14,774/mo
▼ 0.25% · 3.875%
HK$242,937
−HK$7,446/mo
Today · 4.125%
HK$250,383
baseline
▲ 0.50% · 4.625%
HK$265,619
+HK$15,236/mo
Deposit HK$5.74M · loan HK$51.66M · min. income ≈ HK$500,766/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$2,439,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,112
−HK$14,161/mo
▼ 0.25% · 3.875%
HK$269,142
−HK$7,131/mo
Today · 4.125%
HK$276,273
baseline
▲ 0.50% · 4.625%
HK$290,836
+HK$14,563/mo
Deposit HK$5.74M · loan HK$51.66M · min. income ≈ HK$552,546/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$2,439,630 · Scale 2, in force from 26 Feb 2026)