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$130,730
−HK$8,198/mo
▼ 0.25% · 3.875%
HK$134,797
−HK$4,131/mo
Today · 4.125%
HK$138,928
baseline
▲ 0.50% · 4.625%
HK$147,382
+HK$8,454/mo
Deposit HK$28.67M · loan HK$28.67M · min. income ≈ HK$277,856/mo (50% DSR)
Upfront cash ≈ HK$31.10M (deposit + AVD stamp duty HK$2,436,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,436
−HK$7,858/mo
▼ 0.25% · 3.875%
HK$149,337
−HK$3,957/mo
Today · 4.125%
HK$153,294
baseline
▲ 0.50% · 4.625%
HK$161,374
+HK$8,080/mo
Deposit HK$28.67M · loan HK$28.67M · min. income ≈ HK$306,588/mo (50% DSR)
Upfront cash ≈ HK$31.10M (deposit + AVD stamp duty HK$2,436,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,876
−HK$9,838/mo
▼ 0.25% · 3.875%
HK$161,756
−HK$4,958/mo
Today · 4.125%
HK$166,714
baseline
▲ 0.50% · 4.625%
HK$176,858
+HK$10,144/mo
Deposit HK$22.93M · loan HK$34.40M · min. income ≈ HK$333,428/mo (50% DSR)
Upfront cash ≈ HK$25.37M (deposit + AVD stamp duty HK$2,436,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,523
−HK$9,429/mo
▼ 0.25% · 3.875%
HK$179,204
−HK$4,748/mo
Today · 4.125%
HK$183,952
baseline
▲ 0.50% · 4.625%
HK$193,649
+HK$9,697/mo
Deposit HK$22.93M · loan HK$34.40M · min. income ≈ HK$367,904/mo (50% DSR)
Upfront cash ≈ HK$25.37M (deposit + AVD stamp duty HK$2,436,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,022
−HK$11,478/mo
▼ 0.25% · 3.875%
HK$188,716
−HK$5,784/mo
Today · 4.125%
HK$194,500
baseline
▲ 0.50% · 4.625%
HK$206,334
+HK$11,834/mo
Deposit HK$17.20M · loan HK$40.13M · min. income ≈ HK$389,000/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$2,436,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,611
−HK$11,000/mo
▼ 0.25% · 3.875%
HK$209,071
−HK$5,540/mo
Today · 4.125%
HK$214,611
baseline
▲ 0.50% · 4.625%
HK$225,924
+HK$11,313/mo
Deposit HK$17.20M · loan HK$40.13M · min. income ≈ HK$429,222/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$2,436,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,315
−HK$14,756/mo
▼ 0.25% · 3.875%
HK$242,634
−HK$7,437/mo
Today · 4.125%
HK$250,071
baseline
▲ 0.50% · 4.625%
HK$265,287
+HK$15,216/mo
Deposit HK$5.73M · loan HK$51.60M · min. income ≈ HK$500,142/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$2,436,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,785
−HK$14,144/mo
▼ 0.25% · 3.875%
HK$268,806
−HK$7,123/mo
Today · 4.125%
HK$275,929
baseline
▲ 0.50% · 4.625%
HK$290,473
+HK$14,544/mo
Deposit HK$5.73M · loan HK$51.60M · min. income ≈ HK$551,858/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$2,436,586 · Scale 2, in force from 26 Feb 2026)