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$129,254
−HK$8,105/mo
▼ 0.25% · 3.875%
HK$133,274
−HK$4,085/mo
Today · 4.125%
HK$137,359
baseline
▲ 0.50% · 4.625%
HK$145,717
+HK$8,358/mo
Deposit HK$28.34M · loan HK$28.34M · min. income ≈ HK$274,718/mo (50% DSR)
Upfront cash ≈ HK$30.75M (deposit + AVD stamp duty HK$2,409,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,794
−HK$7,768/mo
▼ 0.25% · 3.875%
HK$147,650
−HK$3,912/mo
Today · 4.125%
HK$151,562
baseline
▲ 0.50% · 4.625%
HK$159,551
+HK$7,989/mo
Deposit HK$28.34M · loan HK$28.34M · min. income ≈ HK$303,124/mo (50% DSR)
Upfront cash ≈ HK$30.75M (deposit + AVD stamp duty HK$2,409,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,105
−HK$9,726/mo
▼ 0.25% · 3.875%
HK$159,929
−HK$4,902/mo
Today · 4.125%
HK$164,831
baseline
▲ 0.50% · 4.625%
HK$174,861
+HK$10,030/mo
Deposit HK$22.67M · loan HK$34.01M · min. income ≈ HK$329,662/mo (50% DSR)
Upfront cash ≈ HK$25.08M (deposit + AVD stamp duty HK$2,409,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,552
−HK$9,323/mo
▼ 0.25% · 3.875%
HK$177,180
−HK$4,695/mo
Today · 4.125%
HK$181,875
baseline
▲ 0.50% · 4.625%
HK$191,462
+HK$9,587/mo
Deposit HK$22.67M · loan HK$34.01M · min. income ≈ HK$363,750/mo (50% DSR)
Upfront cash ≈ HK$25.08M (deposit + AVD stamp duty HK$2,409,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,955
−HK$11,348/mo
▼ 0.25% · 3.875%
HK$186,584
−HK$5,719/mo
Today · 4.125%
HK$192,303
baseline
▲ 0.50% · 4.625%
HK$204,004
+HK$11,701/mo
Deposit HK$17.01M · loan HK$39.68M · min. income ≈ HK$384,606/mo (50% DSR)
Upfront cash ≈ HK$19.41M (deposit + AVD stamp duty HK$2,409,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,311
−HK$10,876/mo
▼ 0.25% · 3.875%
HK$206,710
−HK$5,477/mo
Today · 4.125%
HK$212,187
baseline
▲ 0.50% · 4.625%
HK$223,372
+HK$11,185/mo
Deposit HK$17.01M · loan HK$39.68M · min. income ≈ HK$424,374/mo (50% DSR)
Upfront cash ≈ HK$19.41M (deposit + AVD stamp duty HK$2,409,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,657
−HK$14,590/mo
▼ 0.25% · 3.875%
HK$239,894
−HK$7,353/mo
Today · 4.125%
HK$247,247
baseline
▲ 0.50% · 4.625%
HK$262,291
+HK$15,044/mo
Deposit HK$5.67M · loan HK$51.02M · min. income ≈ HK$494,494/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$2,409,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,828
−HK$13,984/mo
▼ 0.25% · 3.875%
HK$265,770
−HK$7,042/mo
Today · 4.125%
HK$272,812
baseline
▲ 0.50% · 4.625%
HK$287,192
+HK$14,380/mo
Deposit HK$5.67M · loan HK$51.02M · min. income ≈ HK$545,624/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$2,409,066 · Scale 2, in force from 26 Feb 2026)