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$131,693
−HK$8,258/mo
▼ 0.25% · 3.875%
HK$135,789
−HK$4,162/mo
Today · 4.125%
HK$139,951
baseline
▲ 0.50% · 4.625%
HK$148,467
+HK$8,516/mo
Deposit HK$28.88M · loan HK$28.88M · min. income ≈ HK$279,902/mo (50% DSR)
Upfront cash ≈ HK$31.33M (deposit + AVD stamp duty HK$2,454,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,507
−HK$7,915/mo
▼ 0.25% · 3.875%
HK$150,436
−HK$3,986/mo
Today · 4.125%
HK$154,422
baseline
▲ 0.50% · 4.625%
HK$162,562
+HK$8,140/mo
Deposit HK$28.88M · loan HK$28.88M · min. income ≈ HK$308,844/mo (50% DSR)
Upfront cash ≈ HK$31.33M (deposit + AVD stamp duty HK$2,454,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,032
−HK$9,910/mo
▼ 0.25% · 3.875%
HK$162,947
−HK$4,995/mo
Today · 4.125%
HK$167,942
baseline
▲ 0.50% · 4.625%
HK$178,160
+HK$10,218/mo
Deposit HK$23.10M · loan HK$34.65M · min. income ≈ HK$335,884/mo (50% DSR)
Upfront cash ≈ HK$25.56M (deposit + AVD stamp duty HK$2,454,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,809
−HK$9,498/mo
▼ 0.25% · 3.875%
HK$180,524
−HK$4,783/mo
Today · 4.125%
HK$185,307
baseline
▲ 0.50% · 4.625%
HK$195,075
+HK$9,768/mo
Deposit HK$23.10M · loan HK$34.65M · min. income ≈ HK$370,614/mo (50% DSR)
Upfront cash ≈ HK$25.56M (deposit + AVD stamp duty HK$2,454,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,370
−HK$11,562/mo
▼ 0.25% · 3.875%
HK$190,105
−HK$5,827/mo
Today · 4.125%
HK$195,932
baseline
▲ 0.50% · 4.625%
HK$207,854
+HK$11,922/mo
Deposit HK$17.33M · loan HK$40.43M · min. income ≈ HK$391,864/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$2,454,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,110
−HK$11,081/mo
▼ 0.25% · 3.875%
HK$210,611
−HK$5,580/mo
Today · 4.125%
HK$216,191
baseline
▲ 0.50% · 4.625%
HK$227,587
+HK$11,396/mo
Deposit HK$17.33M · loan HK$40.43M · min. income ≈ HK$432,382/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$2,454,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,047
−HK$14,865/mo
▼ 0.25% · 3.875%
HK$244,421
−HK$7,491/mo
Today · 4.125%
HK$251,912
baseline
▲ 0.50% · 4.625%
HK$267,241
+HK$15,329/mo
Deposit HK$5.78M · loan HK$51.98M · min. income ≈ HK$503,824/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$2,454,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,713
−HK$14,247/mo
▼ 0.25% · 3.875%
HK$270,786
−HK$7,174/mo
Today · 4.125%
HK$277,960
baseline
▲ 0.50% · 4.625%
HK$292,612
+HK$14,652/mo
Deposit HK$5.78M · loan HK$51.98M · min. income ≈ HK$555,920/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$2,454,528 · Scale 2, in force from 26 Feb 2026)