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$129,261
−HK$8,106/mo
▼ 0.25% · 3.875%
HK$133,282
−HK$4,085/mo
Today · 4.125%
HK$137,367
baseline
▲ 0.50% · 4.625%
HK$145,725
+HK$8,358/mo
Deposit HK$28.34M · loan HK$28.34M · min. income ≈ HK$274,734/mo (50% DSR)
Upfront cash ≈ HK$30.75M (deposit + AVD stamp duty HK$2,409,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,801
−HK$7,770/mo
▼ 0.25% · 3.875%
HK$147,658
−HK$3,913/mo
Today · 4.125%
HK$151,571
baseline
▲ 0.50% · 4.625%
HK$159,560
+HK$7,989/mo
Deposit HK$28.34M · loan HK$28.34M · min. income ≈ HK$303,142/mo (50% DSR)
Upfront cash ≈ HK$30.75M (deposit + AVD stamp duty HK$2,409,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,113
−HK$9,727/mo
▼ 0.25% · 3.875%
HK$159,938
−HK$4,902/mo
Today · 4.125%
HK$164,840
baseline
▲ 0.50% · 4.625%
HK$174,870
+HK$10,030/mo
Deposit HK$22.67M · loan HK$34.01M · min. income ≈ HK$329,680/mo (50% DSR)
Upfront cash ≈ HK$25.08M (deposit + AVD stamp duty HK$2,409,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,562
−HK$9,323/mo
▼ 0.25% · 3.875%
HK$177,190
−HK$4,695/mo
Today · 4.125%
HK$181,885
baseline
▲ 0.50% · 4.625%
HK$191,472
+HK$9,587/mo
Deposit HK$22.67M · loan HK$34.01M · min. income ≈ HK$363,770/mo (50% DSR)
Upfront cash ≈ HK$25.08M (deposit + AVD stamp duty HK$2,409,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,965
−HK$11,348/mo
▼ 0.25% · 3.875%
HK$186,594
−HK$5,719/mo
Today · 4.125%
HK$192,313
baseline
▲ 0.50% · 4.625%
HK$204,015
+HK$11,702/mo
Deposit HK$17.01M · loan HK$39.68M · min. income ≈ HK$384,626/mo (50% DSR)
Upfront cash ≈ HK$19.42M (deposit + AVD stamp duty HK$2,409,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,322
−HK$10,877/mo
▼ 0.25% · 3.875%
HK$206,721
−HK$5,478/mo
Today · 4.125%
HK$212,199
baseline
▲ 0.50% · 4.625%
HK$223,384
+HK$11,185/mo
Deposit HK$17.01M · loan HK$39.68M · min. income ≈ HK$424,398/mo (50% DSR)
Upfront cash ≈ HK$19.42M (deposit + AVD stamp duty HK$2,409,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,670
−HK$14,590/mo
▼ 0.25% · 3.875%
HK$239,907
−HK$7,353/mo
Today · 4.125%
HK$247,260
baseline
▲ 0.50% · 4.625%
HK$262,305
+HK$15,045/mo
Deposit HK$5.67M · loan HK$51.02M · min. income ≈ HK$494,520/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$2,409,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,843
−HK$13,984/mo
▼ 0.25% · 3.875%
HK$265,785
−HK$7,042/mo
Today · 4.125%
HK$272,827
baseline
▲ 0.50% · 4.625%
HK$287,208
+HK$14,381/mo
Deposit HK$5.67M · loan HK$51.02M · min. income ≈ HK$545,654/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$2,409,197 · Scale 2, in force from 26 Feb 2026)