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$131,949
−HK$8,274/mo
▼ 0.25% · 3.875%
HK$136,053
−HK$4,170/mo
Today · 4.125%
HK$140,223
baseline
▲ 0.50% · 4.625%
HK$148,756
+HK$8,533/mo
Deposit HK$28.93M · loan HK$28.93M · min. income ≈ HK$280,446/mo (50% DSR)
Upfront cash ≈ HK$31.39M (deposit + AVD stamp duty HK$2,459,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,792
−HK$7,931/mo
▼ 0.25% · 3.875%
HK$150,729
−HK$3,994/mo
Today · 4.125%
HK$154,723
baseline
▲ 0.50% · 4.625%
HK$162,878
+HK$8,155/mo
Deposit HK$28.93M · loan HK$28.93M · min. income ≈ HK$309,446/mo (50% DSR)
Upfront cash ≈ HK$31.39M (deposit + AVD stamp duty HK$2,459,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,339
−HK$9,929/mo
▼ 0.25% · 3.875%
HK$163,264
−HK$5,004/mo
Today · 4.125%
HK$168,268
baseline
▲ 0.50% · 4.625%
HK$178,507
+HK$10,239/mo
Deposit HK$23.15M · loan HK$34.72M · min. income ≈ HK$336,536/mo (50% DSR)
Upfront cash ≈ HK$25.61M (deposit + AVD stamp duty HK$2,459,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,150
−HK$9,517/mo
▼ 0.25% · 3.875%
HK$180,875
−HK$4,792/mo
Today · 4.125%
HK$185,667
baseline
▲ 0.50% · 4.625%
HK$195,454
+HK$9,787/mo
Deposit HK$23.15M · loan HK$34.72M · min. income ≈ HK$371,334/mo (50% DSR)
Upfront cash ≈ HK$25.61M (deposit + AVD stamp duty HK$2,459,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,729
−HK$11,584/mo
▼ 0.25% · 3.875%
HK$190,475
−HK$5,838/mo
Today · 4.125%
HK$196,313
baseline
▲ 0.50% · 4.625%
HK$208,258
+HK$11,945/mo
Deposit HK$17.36M · loan HK$40.51M · min. income ≈ HK$392,626/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$2,459,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,509
−HK$11,103/mo
▼ 0.25% · 3.875%
HK$211,020
−HK$5,592/mo
Today · 4.125%
HK$216,612
baseline
▲ 0.50% · 4.625%
HK$228,030
+HK$11,418/mo
Deposit HK$17.36M · loan HK$40.51M · min. income ≈ HK$433,224/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$2,459,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,508
−HK$14,894/mo
▼ 0.25% · 3.875%
HK$244,896
−HK$7,506/mo
Today · 4.125%
HK$252,402
baseline
▲ 0.50% · 4.625%
HK$267,760
+HK$15,358/mo
Deposit HK$5.79M · loan HK$52.08M · min. income ≈ HK$504,804/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$2,459,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,225
−HK$14,276/mo
▼ 0.25% · 3.875%
HK$271,312
−HK$7,189/mo
Today · 4.125%
HK$278,501
baseline
▲ 0.50% · 4.625%
HK$293,181
+HK$14,680/mo
Deposit HK$5.79M · loan HK$52.08M · min. income ≈ HK$557,002/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$2,459,299 · Scale 2, in force from 26 Feb 2026)