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$131,663
−HK$8,256/mo
▼ 0.25% · 3.875%
HK$135,758
−HK$4,161/mo
Today · 4.125%
HK$139,919
baseline
▲ 0.50% · 4.625%
HK$148,433
+HK$8,514/mo
Deposit HK$28.87M · loan HK$28.87M · min. income ≈ HK$279,838/mo (50% DSR)
Upfront cash ≈ HK$31.32M (deposit + AVD stamp duty HK$2,453,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,474
−HK$7,913/mo
▼ 0.25% · 3.875%
HK$150,402
−HK$3,985/mo
Today · 4.125%
HK$154,387
baseline
▲ 0.50% · 4.625%
HK$162,525
+HK$8,138/mo
Deposit HK$28.87M · loan HK$28.87M · min. income ≈ HK$308,774/mo (50% DSR)
Upfront cash ≈ HK$31.32M (deposit + AVD stamp duty HK$2,453,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,995
−HK$9,908/mo
▼ 0.25% · 3.875%
HK$162,910
−HK$4,993/mo
Today · 4.125%
HK$167,903
baseline
▲ 0.50% · 4.625%
HK$178,120
+HK$10,217/mo
Deposit HK$23.10M · loan HK$34.64M · min. income ≈ HK$335,806/mo (50% DSR)
Upfront cash ≈ HK$25.55M (deposit + AVD stamp duty HK$2,453,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,768
−HK$9,496/mo
▼ 0.25% · 3.875%
HK$180,482
−HK$4,782/mo
Today · 4.125%
HK$185,264
baseline
▲ 0.50% · 4.625%
HK$195,030
+HK$9,766/mo
Deposit HK$23.10M · loan HK$34.64M · min. income ≈ HK$370,528/mo (50% DSR)
Upfront cash ≈ HK$25.55M (deposit + AVD stamp duty HK$2,453,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,328
−HK$11,559/mo
▼ 0.25% · 3.875%
HK$190,062
−HK$5,825/mo
Today · 4.125%
HK$195,887
baseline
▲ 0.50% · 4.625%
HK$207,806
+HK$11,919/mo
Deposit HK$17.32M · loan HK$40.42M · min. income ≈ HK$391,774/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$2,453,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,063
−HK$11,079/mo
▼ 0.25% · 3.875%
HK$210,563
−HK$5,579/mo
Today · 4.125%
HK$216,142
baseline
▲ 0.50% · 4.625%
HK$227,535
+HK$11,393/mo
Deposit HK$17.32M · loan HK$40.42M · min. income ≈ HK$432,284/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$2,453,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,993
−HK$14,862/mo
▼ 0.25% · 3.875%
HK$244,365
−HK$7,490/mo
Today · 4.125%
HK$251,855
baseline
▲ 0.50% · 4.625%
HK$267,179
+HK$15,324/mo
Deposit HK$5.77M · loan HK$51.97M · min. income ≈ HK$503,710/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$2,453,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,652
−HK$14,245/mo
▼ 0.25% · 3.875%
HK$270,723
−HK$7,174/mo
Today · 4.125%
HK$277,897
baseline
▲ 0.50% · 4.625%
HK$292,545
+HK$14,648/mo
Deposit HK$5.77M · loan HK$51.97M · min. income ≈ HK$555,794/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$2,453,965 · Scale 2, in force from 26 Feb 2026)