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$130,197
−HK$8,164/mo
▼ 0.25% · 3.875%
HK$134,246
−HK$4,115/mo
Today · 4.125%
HK$138,361
baseline
▲ 0.50% · 4.625%
HK$146,780
+HK$8,419/mo
Deposit HK$28.55M · loan HK$28.55M · min. income ≈ HK$276,722/mo (50% DSR)
Upfront cash ≈ HK$30.98M (deposit + AVD stamp duty HK$2,426,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,842
−HK$7,826/mo
▼ 0.25% · 3.875%
HK$148,727
−HK$3,941/mo
Today · 4.125%
HK$152,668
baseline
▲ 0.50% · 4.625%
HK$160,715
+HK$8,047/mo
Deposit HK$28.55M · loan HK$28.55M · min. income ≈ HK$305,336/mo (50% DSR)
Upfront cash ≈ HK$30.98M (deposit + AVD stamp duty HK$2,426,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,236
−HK$9,797/mo
▼ 0.25% · 3.875%
HK$161,096
−HK$4,937/mo
Today · 4.125%
HK$166,033
baseline
▲ 0.50% · 4.625%
HK$176,136
+HK$10,103/mo
Deposit HK$22.84M · loan HK$34.26M · min. income ≈ HK$332,066/mo (50% DSR)
Upfront cash ≈ HK$25.27M (deposit + AVD stamp duty HK$2,426,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,811
−HK$9,390/mo
▼ 0.25% · 3.875%
HK$178,472
−HK$4,729/mo
Today · 4.125%
HK$183,201
baseline
▲ 0.50% · 4.625%
HK$192,858
+HK$9,657/mo
Deposit HK$22.84M · loan HK$34.26M · min. income ≈ HK$366,402/mo (50% DSR)
Upfront cash ≈ HK$25.27M (deposit + AVD stamp duty HK$2,426,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,275
−HK$11,430/mo
▼ 0.25% · 3.875%
HK$187,945
−HK$5,760/mo
Today · 4.125%
HK$193,705
baseline
▲ 0.50% · 4.625%
HK$205,492
+HK$11,787/mo
Deposit HK$17.13M · loan HK$39.97M · min. income ≈ HK$387,410/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$2,426,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,779
−HK$10,956/mo
▼ 0.25% · 3.875%
HK$208,218
−HK$5,517/mo
Today · 4.125%
HK$213,735
baseline
▲ 0.50% · 4.625%
HK$225,001
+HK$11,266/mo
Deposit HK$17.13M · loan HK$39.97M · min. income ≈ HK$427,470/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$2,426,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,354
−HK$14,696/mo
▼ 0.25% · 3.875%
HK$241,643
−HK$7,407/mo
Today · 4.125%
HK$249,050
baseline
▲ 0.50% · 4.625%
HK$264,204
+HK$15,154/mo
Deposit HK$5.71M · loan HK$51.39M · min. income ≈ HK$498,100/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$2,426,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,716
−HK$14,086/mo
▼ 0.25% · 3.875%
HK$267,708
−HK$7,094/mo
Today · 4.125%
HK$274,802
baseline
▲ 0.50% · 4.625%
HK$289,287
+HK$14,485/mo
Deposit HK$5.71M · loan HK$51.39M · min. income ≈ HK$549,604/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$2,426,636 · Scale 2, in force from 26 Feb 2026)