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$131,431
−HK$8,242/mo
▼ 0.25% · 3.875%
HK$135,520
−HK$4,153/mo
Today · 4.125%
HK$139,673
baseline
▲ 0.50% · 4.625%
HK$148,172
+HK$8,499/mo
Deposit HK$28.82M · loan HK$28.82M · min. income ≈ HK$279,346/mo (50% DSR)
Upfront cash ≈ HK$31.27M (deposit + AVD stamp duty HK$2,449,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,216
−HK$7,900/mo
▼ 0.25% · 3.875%
HK$150,138
−HK$3,978/mo
Today · 4.125%
HK$154,116
baseline
▲ 0.50% · 4.625%
HK$162,239
+HK$8,123/mo
Deposit HK$28.82M · loan HK$28.82M · min. income ≈ HK$308,232/mo (50% DSR)
Upfront cash ≈ HK$31.27M (deposit + AVD stamp duty HK$2,449,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,718
−HK$9,890/mo
▼ 0.25% · 3.875%
HK$162,624
−HK$4,984/mo
Today · 4.125%
HK$167,608
baseline
▲ 0.50% · 4.625%
HK$177,807
+HK$10,199/mo
Deposit HK$23.06M · loan HK$34.58M · min. income ≈ HK$335,216/mo (50% DSR)
Upfront cash ≈ HK$25.51M (deposit + AVD stamp duty HK$2,449,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,459
−HK$9,480/mo
▼ 0.25% · 3.875%
HK$180,165
−HK$4,774/mo
Today · 4.125%
HK$184,939
baseline
▲ 0.50% · 4.625%
HK$194,687
+HK$9,748/mo
Deposit HK$23.06M · loan HK$34.58M · min. income ≈ HK$369,878/mo (50% DSR)
Upfront cash ≈ HK$25.51M (deposit + AVD stamp duty HK$2,449,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,004
−HK$11,539/mo
▼ 0.25% · 3.875%
HK$189,728
−HK$5,815/mo
Today · 4.125%
HK$195,543
baseline
▲ 0.50% · 4.625%
HK$207,441
+HK$11,898/mo
Deposit HK$17.29M · loan HK$40.35M · min. income ≈ HK$391,086/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$2,449,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,703
−HK$11,059/mo
▼ 0.25% · 3.875%
HK$210,193
−HK$5,569/mo
Today · 4.125%
HK$215,762
baseline
▲ 0.50% · 4.625%
HK$227,135
+HK$11,373/mo
Deposit HK$17.29M · loan HK$40.35M · min. income ≈ HK$431,524/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$2,449,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,577
−HK$14,835/mo
▼ 0.25% · 3.875%
HK$243,936
−HK$7,476/mo
Today · 4.125%
HK$251,412
baseline
▲ 0.50% · 4.625%
HK$266,710
+HK$15,298/mo
Deposit HK$5.76M · loan HK$51.88M · min. income ≈ HK$502,824/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$2,449,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,189
−HK$14,219/mo
▼ 0.25% · 3.875%
HK$270,248
−HK$7,160/mo
Today · 4.125%
HK$277,408
baseline
▲ 0.50% · 4.625%
HK$292,031
+HK$14,623/mo
Deposit HK$5.76M · loan HK$51.88M · min. income ≈ HK$554,816/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$2,449,654 · Scale 2, in force from 26 Feb 2026)