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$131,649
−HK$8,256/mo
▼ 0.25% · 3.875%
HK$135,744
−HK$4,161/mo
Today · 4.125%
HK$139,905
baseline
▲ 0.50% · 4.625%
HK$148,418
+HK$8,513/mo
Deposit HK$28.87M · loan HK$28.87M · min. income ≈ HK$279,810/mo (50% DSR)
Upfront cash ≈ HK$31.32M (deposit + AVD stamp duty HK$2,453,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,459
−HK$7,912/mo
▼ 0.25% · 3.875%
HK$150,387
−HK$3,984/mo
Today · 4.125%
HK$154,371
baseline
▲ 0.50% · 4.625%
HK$162,508
+HK$8,137/mo
Deposit HK$28.87M · loan HK$28.87M · min. income ≈ HK$308,742/mo (50% DSR)
Upfront cash ≈ HK$31.32M (deposit + AVD stamp duty HK$2,453,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,979
−HK$9,907/mo
▼ 0.25% · 3.875%
HK$162,893
−HK$4,993/mo
Today · 4.125%
HK$167,886
baseline
▲ 0.50% · 4.625%
HK$178,101
+HK$10,215/mo
Deposit HK$23.09M · loan HK$34.64M · min. income ≈ HK$335,772/mo (50% DSR)
Upfront cash ≈ HK$25.55M (deposit + AVD stamp duty HK$2,453,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,750
−HK$9,496/mo
▼ 0.25% · 3.875%
HK$180,464
−HK$4,782/mo
Today · 4.125%
HK$185,246
baseline
▲ 0.50% · 4.625%
HK$195,010
+HK$9,764/mo
Deposit HK$23.09M · loan HK$34.64M · min. income ≈ HK$370,492/mo (50% DSR)
Upfront cash ≈ HK$25.55M (deposit + AVD stamp duty HK$2,453,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,309
−HK$11,558/mo
▼ 0.25% · 3.875%
HK$190,042
−HK$5,825/mo
Today · 4.125%
HK$195,867
baseline
▲ 0.50% · 4.625%
HK$207,785
+HK$11,918/mo
Deposit HK$17.32M · loan HK$40.41M · min. income ≈ HK$391,734/mo (50% DSR)
Upfront cash ≈ HK$19.77M (deposit + AVD stamp duty HK$2,453,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,042
−HK$11,078/mo
▼ 0.25% · 3.875%
HK$210,541
−HK$5,579/mo
Today · 4.125%
HK$216,120
baseline
▲ 0.50% · 4.625%
HK$227,512
+HK$11,392/mo
Deposit HK$17.32M · loan HK$40.41M · min. income ≈ HK$432,240/mo (50% DSR)
Upfront cash ≈ HK$19.77M (deposit + AVD stamp duty HK$2,453,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,969
−HK$14,860/mo
▼ 0.25% · 3.875%
HK$244,340
−HK$7,489/mo
Today · 4.125%
HK$251,829
baseline
▲ 0.50% · 4.625%
HK$267,152
+HK$15,323/mo
Deposit HK$5.77M · loan HK$51.96M · min. income ≈ HK$503,658/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$2,453,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,626
−HK$14,242/mo
▼ 0.25% · 3.875%
HK$270,696
−HK$7,172/mo
Today · 4.125%
HK$277,868
baseline
▲ 0.50% · 4.625%
HK$292,515
+HK$14,647/mo
Deposit HK$5.77M · loan HK$51.96M · min. income ≈ HK$555,736/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$2,453,716 · Scale 2, in force from 26 Feb 2026)