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$129,929
−HK$8,148/mo
▼ 0.25% · 3.875%
HK$133,971
−HK$4,106/mo
Today · 4.125%
HK$138,077
baseline
▲ 0.50% · 4.625%
HK$146,479
+HK$8,402/mo
Deposit HK$28.49M · loan HK$28.49M · min. income ≈ HK$276,154/mo (50% DSR)
Upfront cash ≈ HK$30.91M (deposit + AVD stamp duty HK$2,421,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,545
−HK$7,809/mo
▼ 0.25% · 3.875%
HK$148,422
−HK$3,932/mo
Today · 4.125%
HK$152,354
baseline
▲ 0.50% · 4.625%
HK$160,385
+HK$8,031/mo
Deposit HK$28.49M · loan HK$28.49M · min. income ≈ HK$304,708/mo (50% DSR)
Upfront cash ≈ HK$30.91M (deposit + AVD stamp duty HK$2,421,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,915
−HK$9,777/mo
▼ 0.25% · 3.875%
HK$160,765
−HK$4,927/mo
Today · 4.125%
HK$165,692
baseline
▲ 0.50% · 4.625%
HK$175,774
+HK$10,082/mo
Deposit HK$22.79M · loan HK$34.19M · min. income ≈ HK$331,384/mo (50% DSR)
Upfront cash ≈ HK$25.21M (deposit + AVD stamp duty HK$2,421,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,454
−HK$9,371/mo
▼ 0.25% · 3.875%
HK$178,106
−HK$4,719/mo
Today · 4.125%
HK$182,825
baseline
▲ 0.50% · 4.625%
HK$192,462
+HK$9,637/mo
Deposit HK$22.79M · loan HK$34.19M · min. income ≈ HK$365,650/mo (50% DSR)
Upfront cash ≈ HK$25.21M (deposit + AVD stamp duty HK$2,421,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,901
−HK$11,407/mo
▼ 0.25% · 3.875%
HK$187,559
−HK$5,749/mo
Today · 4.125%
HK$193,308
baseline
▲ 0.50% · 4.625%
HK$205,070
+HK$11,762/mo
Deposit HK$17.09M · loan HK$39.89M · min. income ≈ HK$386,616/mo (50% DSR)
Upfront cash ≈ HK$19.52M (deposit + AVD stamp duty HK$2,421,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,363
−HK$10,933/mo
▼ 0.25% · 3.875%
HK$207,790
−HK$5,506/mo
Today · 4.125%
HK$213,296
baseline
▲ 0.50% · 4.625%
HK$224,539
+HK$11,243/mo
Deposit HK$17.09M · loan HK$39.89M · min. income ≈ HK$426,592/mo (50% DSR)
Upfront cash ≈ HK$19.52M (deposit + AVD stamp duty HK$2,421,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,873
−HK$14,666/mo
▼ 0.25% · 3.875%
HK$241,148
−HK$7,391/mo
Today · 4.125%
HK$248,539
baseline
▲ 0.50% · 4.625%
HK$263,662
+HK$15,123/mo
Deposit HK$5.70M · loan HK$51.28M · min. income ≈ HK$497,078/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$2,421,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,181
−HK$14,057/mo
▼ 0.25% · 3.875%
HK$267,159
−HK$7,079/mo
Today · 4.125%
HK$274,238
baseline
▲ 0.50% · 4.625%
HK$288,693
+HK$14,455/mo
Deposit HK$5.70M · loan HK$51.28M · min. income ≈ HK$548,476/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$2,421,656 · Scale 2, in force from 26 Feb 2026)