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$130,683
−HK$8,195/mo
▼ 0.25% · 3.875%
HK$134,748
−HK$4,130/mo
Today · 4.125%
HK$138,878
baseline
▲ 0.50% · 4.625%
HK$147,328
+HK$8,450/mo
Deposit HK$28.66M · loan HK$28.66M · min. income ≈ HK$277,756/mo (50% DSR)
Upfront cash ≈ HK$31.09M (deposit + AVD stamp duty HK$2,435,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,383
−HK$7,855/mo
▼ 0.25% · 3.875%
HK$149,282
−HK$3,956/mo
Today · 4.125%
HK$153,238
baseline
▲ 0.50% · 4.625%
HK$161,315
+HK$8,077/mo
Deposit HK$28.66M · loan HK$28.66M · min. income ≈ HK$306,476/mo (50% DSR)
Upfront cash ≈ HK$31.09M (deposit + AVD stamp duty HK$2,435,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,819
−HK$9,834/mo
▼ 0.25% · 3.875%
HK$161,697
−HK$4,956/mo
Today · 4.125%
HK$166,653
baseline
▲ 0.50% · 4.625%
HK$176,794
+HK$10,141/mo
Deposit HK$22.92M · loan HK$34.39M · min. income ≈ HK$333,306/mo (50% DSR)
Upfront cash ≈ HK$25.36M (deposit + AVD stamp duty HK$2,435,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,460
−HK$9,425/mo
▼ 0.25% · 3.875%
HK$179,139
−HK$4,746/mo
Today · 4.125%
HK$183,885
baseline
▲ 0.50% · 4.625%
HK$193,578
+HK$9,693/mo
Deposit HK$22.92M · loan HK$34.39M · min. income ≈ HK$367,770/mo (50% DSR)
Upfront cash ≈ HK$25.36M (deposit + AVD stamp duty HK$2,435,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,956
−HK$11,473/mo
▼ 0.25% · 3.875%
HK$188,647
−HK$5,782/mo
Today · 4.125%
HK$194,429
baseline
▲ 0.50% · 4.625%
HK$206,259
+HK$11,830/mo
Deposit HK$17.19M · loan HK$40.12M · min. income ≈ HK$388,858/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$2,435,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,537
−HK$10,996/mo
▼ 0.25% · 3.875%
HK$208,995
−HK$5,538/mo
Today · 4.125%
HK$214,533
baseline
▲ 0.50% · 4.625%
HK$225,841
+HK$11,308/mo
Deposit HK$17.19M · loan HK$40.12M · min. income ≈ HK$429,066/mo (50% DSR)
Upfront cash ≈ HK$19.63M (deposit + AVD stamp duty HK$2,435,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,229
−HK$14,751/mo
▼ 0.25% · 3.875%
HK$242,546
−HK$7,434/mo
Today · 4.125%
HK$249,980
baseline
▲ 0.50% · 4.625%
HK$265,191
+HK$15,211/mo
Deposit HK$5.73M · loan HK$51.58M · min. income ≈ HK$499,960/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$2,435,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,690
−HK$14,138/mo
▼ 0.25% · 3.875%
HK$268,708
−HK$7,120/mo
Today · 4.125%
HK$275,828
baseline
▲ 0.50% · 4.625%
HK$290,368
+HK$14,540/mo
Deposit HK$5.73M · loan HK$51.58M · min. income ≈ HK$551,656/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$2,435,700 · Scale 2, in force from 26 Feb 2026)