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$129,755
−HK$8,137/mo
▼ 0.25% · 3.875%
HK$133,792
−HK$4,100/mo
Today · 4.125%
HK$137,892
baseline
▲ 0.50% · 4.625%
HK$146,283
+HK$8,391/mo
Deposit HK$28.45M · loan HK$28.45M · min. income ≈ HK$275,784/mo (50% DSR)
Upfront cash ≈ HK$30.87M (deposit + AVD stamp duty HK$2,418,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,352
−HK$7,799/mo
▼ 0.25% · 3.875%
HK$148,223
−HK$3,928/mo
Today · 4.125%
HK$152,151
baseline
▲ 0.50% · 4.625%
HK$160,171
+HK$8,020/mo
Deposit HK$28.45M · loan HK$28.45M · min. income ≈ HK$304,302/mo (50% DSR)
Upfront cash ≈ HK$30.87M (deposit + AVD stamp duty HK$2,418,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,707
−HK$9,764/mo
▼ 0.25% · 3.875%
HK$160,550
−HK$4,921/mo
Today · 4.125%
HK$165,471
baseline
▲ 0.50% · 4.625%
HK$175,539
+HK$10,068/mo
Deposit HK$22.76M · loan HK$34.14M · min. income ≈ HK$330,942/mo (50% DSR)
Upfront cash ≈ HK$25.18M (deposit + AVD stamp duty HK$2,418,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,222
−HK$9,359/mo
▼ 0.25% · 3.875%
HK$177,868
−HK$4,713/mo
Today · 4.125%
HK$182,581
baseline
▲ 0.50% · 4.625%
HK$192,205
+HK$9,624/mo
Deposit HK$22.76M · loan HK$34.14M · min. income ≈ HK$365,162/mo (50% DSR)
Upfront cash ≈ HK$25.18M (deposit + AVD stamp duty HK$2,418,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,658
−HK$11,391/mo
▼ 0.25% · 3.875%
HK$187,308
−HK$5,741/mo
Today · 4.125%
HK$193,049
baseline
▲ 0.50% · 4.625%
HK$204,796
+HK$11,747/mo
Deposit HK$17.07M · loan HK$39.83M · min. income ≈ HK$386,098/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$2,418,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,092
−HK$10,919/mo
▼ 0.25% · 3.875%
HK$207,512
−HK$5,499/mo
Today · 4.125%
HK$213,011
baseline
▲ 0.50% · 4.625%
HK$224,239
+HK$11,228/mo
Deposit HK$17.07M · loan HK$39.83M · min. income ≈ HK$426,022/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$2,418,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,560
−HK$14,646/mo
▼ 0.25% · 3.875%
HK$240,825
−HK$7,381/mo
Today · 4.125%
HK$248,206
baseline
▲ 0.50% · 4.625%
HK$263,309
+HK$15,103/mo
Deposit HK$5.69M · loan HK$51.21M · min. income ≈ HK$496,412/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$2,418,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,833
−HK$14,038/mo
▼ 0.25% · 3.875%
HK$266,802
−HK$7,069/mo
Today · 4.125%
HK$273,871
baseline
▲ 0.50% · 4.625%
HK$288,307
+HK$14,436/mo
Deposit HK$5.69M · loan HK$51.21M · min. income ≈ HK$547,742/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$2,418,416 · Scale 2, in force from 26 Feb 2026)