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$130,902
−HK$8,209/mo
▼ 0.25% · 3.875%
HK$134,974
−HK$4,137/mo
Today · 4.125%
HK$139,111
baseline
▲ 0.50% · 4.625%
HK$147,575
+HK$8,464/mo
Deposit HK$28.70M · loan HK$28.70M · min. income ≈ HK$278,222/mo (50% DSR)
Upfront cash ≈ HK$31.14M (deposit + AVD stamp duty HK$2,439,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,627
−HK$7,868/mo
▼ 0.25% · 3.875%
HK$149,533
−HK$3,962/mo
Today · 4.125%
HK$153,495
baseline
▲ 0.50% · 4.625%
HK$161,586
+HK$8,091/mo
Deposit HK$28.70M · loan HK$28.70M · min. income ≈ HK$306,990/mo (50% DSR)
Upfront cash ≈ HK$31.14M (deposit + AVD stamp duty HK$2,439,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,082
−HK$9,851/mo
▼ 0.25% · 3.875%
HK$161,969
−HK$4,964/mo
Today · 4.125%
HK$166,933
baseline
▲ 0.50% · 4.625%
HK$177,090
+HK$10,157/mo
Deposit HK$22.96M · loan HK$34.44M · min. income ≈ HK$333,866/mo (50% DSR)
Upfront cash ≈ HK$25.40M (deposit + AVD stamp duty HK$2,439,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,753
−HK$9,441/mo
▼ 0.25% · 3.875%
HK$179,439
−HK$4,755/mo
Today · 4.125%
HK$184,194
baseline
▲ 0.50% · 4.625%
HK$193,903
+HK$9,709/mo
Deposit HK$22.96M · loan HK$34.44M · min. income ≈ HK$368,388/mo (50% DSR)
Upfront cash ≈ HK$25.40M (deposit + AVD stamp duty HK$2,439,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,263
−HK$11,492/mo
▼ 0.25% · 3.875%
HK$188,963
−HK$5,792/mo
Today · 4.125%
HK$194,755
baseline
▲ 0.50% · 4.625%
HK$206,605
+HK$11,850/mo
Deposit HK$17.22M · loan HK$40.18M · min. income ≈ HK$389,510/mo (50% DSR)
Upfront cash ≈ HK$19.66M (deposit + AVD stamp duty HK$2,439,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,878
−HK$11,015/mo
▼ 0.25% · 3.875%
HK$209,346
−HK$5,547/mo
Today · 4.125%
HK$214,893
baseline
▲ 0.50% · 4.625%
HK$226,220
+HK$11,327/mo
Deposit HK$17.22M · loan HK$40.18M · min. income ≈ HK$429,786/mo (50% DSR)
Upfront cash ≈ HK$19.66M (deposit + AVD stamp duty HK$2,439,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,624
−HK$14,775/mo
▼ 0.25% · 3.875%
HK$242,953
−HK$7,446/mo
Today · 4.125%
HK$250,399
baseline
▲ 0.50% · 4.625%
HK$265,636
+HK$15,237/mo
Deposit HK$5.74M · loan HK$51.67M · min. income ≈ HK$500,798/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$2,439,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,129
−HK$14,162/mo
▼ 0.25% · 3.875%
HK$269,159
−HK$7,132/mo
Today · 4.125%
HK$276,291
baseline
▲ 0.50% · 4.625%
HK$290,855
+HK$14,564/mo
Deposit HK$5.74M · loan HK$51.67M · min. income ≈ HK$552,582/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$2,439,787 · Scale 2, in force from 26 Feb 2026)