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$131,123
−HK$8,222/mo
▼ 0.25% · 3.875%
HK$135,201
−HK$4,144/mo
Today · 4.125%
HK$139,345
baseline
▲ 0.50% · 4.625%
HK$147,824
+HK$8,479/mo
Deposit HK$28.75M · loan HK$28.75M · min. income ≈ HK$278,690/mo (50% DSR)
Upfront cash ≈ HK$31.20M (deposit + AVD stamp duty HK$2,443,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,873
−HK$7,881/mo
▼ 0.25% · 3.875%
HK$149,785
−HK$3,969/mo
Today · 4.125%
HK$153,754
baseline
▲ 0.50% · 4.625%
HK$161,858
+HK$8,104/mo
Deposit HK$28.75M · loan HK$28.75M · min. income ≈ HK$307,508/mo (50% DSR)
Upfront cash ≈ HK$31.20M (deposit + AVD stamp duty HK$2,443,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,347
−HK$9,867/mo
▼ 0.25% · 3.875%
HK$162,242
−HK$4,972/mo
Today · 4.125%
HK$167,214
baseline
▲ 0.50% · 4.625%
HK$177,389
+HK$10,175/mo
Deposit HK$23.00M · loan HK$34.50M · min. income ≈ HK$334,428/mo (50% DSR)
Upfront cash ≈ HK$25.45M (deposit + AVD stamp duty HK$2,443,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,047
−HK$9,457/mo
▼ 0.25% · 3.875%
HK$179,742
−HK$4,762/mo
Today · 4.125%
HK$184,504
baseline
▲ 0.50% · 4.625%
HK$194,230
+HK$9,726/mo
Deposit HK$23.00M · loan HK$34.50M · min. income ≈ HK$369,008/mo (50% DSR)
Upfront cash ≈ HK$25.45M (deposit + AVD stamp duty HK$2,443,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,572
−HK$11,511/mo
▼ 0.25% · 3.875%
HK$189,282
−HK$5,801/mo
Today · 4.125%
HK$195,083
baseline
▲ 0.50% · 4.625%
HK$206,954
+HK$11,871/mo
Deposit HK$17.25M · loan HK$40.25M · min. income ≈ HK$390,166/mo (50% DSR)
Upfront cash ≈ HK$19.69M (deposit + AVD stamp duty HK$2,443,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,222
−HK$11,033/mo
▼ 0.25% · 3.875%
HK$209,699
−HK$5,556/mo
Today · 4.125%
HK$215,255
baseline
▲ 0.50% · 4.625%
HK$226,601
+HK$11,346/mo
Deposit HK$17.25M · loan HK$40.25M · min. income ≈ HK$430,510/mo (50% DSR)
Upfront cash ≈ HK$19.69M (deposit + AVD stamp duty HK$2,443,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,021
−HK$14,800/mo
▼ 0.25% · 3.875%
HK$243,362
−HK$7,459/mo
Today · 4.125%
HK$250,821
baseline
▲ 0.50% · 4.625%
HK$266,083
+HK$15,262/mo
Deposit HK$5.75M · loan HK$51.75M · min. income ≈ HK$501,642/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$2,443,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,571
−HK$14,186/mo
▼ 0.25% · 3.875%
HK$269,613
−HK$7,144/mo
Today · 4.125%
HK$276,757
baseline
▲ 0.50% · 4.625%
HK$291,345
+HK$14,588/mo
Deposit HK$5.75M · loan HK$51.75M · min. income ≈ HK$553,514/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$2,443,897 · Scale 2, in force from 26 Feb 2026)