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$131,096
−HK$8,221/mo
▼ 0.25% · 3.875%
HK$135,173
−HK$4,144/mo
Today · 4.125%
HK$139,317
baseline
▲ 0.50% · 4.625%
HK$147,794
+HK$8,477/mo
Deposit HK$28.75M · loan HK$28.75M · min. income ≈ HK$278,634/mo (50% DSR)
Upfront cash ≈ HK$31.19M (deposit + AVD stamp duty HK$2,443,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,843
−HK$7,879/mo
▼ 0.25% · 3.875%
HK$149,754
−HK$3,968/mo
Today · 4.125%
HK$153,722
baseline
▲ 0.50% · 4.625%
HK$161,825
+HK$8,103/mo
Deposit HK$28.75M · loan HK$28.75M · min. income ≈ HK$307,444/mo (50% DSR)
Upfront cash ≈ HK$31.19M (deposit + AVD stamp duty HK$2,443,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,315
−HK$9,865/mo
▼ 0.25% · 3.875%
HK$162,208
−HK$4,972/mo
Today · 4.125%
HK$167,180
baseline
▲ 0.50% · 4.625%
HK$177,352
+HK$10,172/mo
Deposit HK$23.00M · loan HK$34.49M · min. income ≈ HK$334,360/mo (50% DSR)
Upfront cash ≈ HK$25.44M (deposit + AVD stamp duty HK$2,443,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,011
−HK$9,455/mo
▼ 0.25% · 3.875%
HK$179,705
−HK$4,761/mo
Today · 4.125%
HK$184,466
baseline
▲ 0.50% · 4.625%
HK$194,190
+HK$9,724/mo
Deposit HK$23.00M · loan HK$34.49M · min. income ≈ HK$368,932/mo (50% DSR)
Upfront cash ≈ HK$25.44M (deposit + AVD stamp duty HK$2,443,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,534
−HK$11,509/mo
▼ 0.25% · 3.875%
HK$189,243
−HK$5,800/mo
Today · 4.125%
HK$195,043
baseline
▲ 0.50% · 4.625%
HK$206,911
+HK$11,868/mo
Deposit HK$17.25M · loan HK$40.24M · min. income ≈ HK$390,086/mo (50% DSR)
Upfront cash ≈ HK$19.69M (deposit + AVD stamp duty HK$2,443,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,180
−HK$11,031/mo
▼ 0.25% · 3.875%
HK$209,656
−HK$5,555/mo
Today · 4.125%
HK$215,211
baseline
▲ 0.50% · 4.625%
HK$226,555
+HK$11,344/mo
Deposit HK$17.25M · loan HK$40.24M · min. income ≈ HK$430,422/mo (50% DSR)
Upfront cash ≈ HK$19.69M (deposit + AVD stamp duty HK$2,443,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,972
−HK$14,798/mo
▼ 0.25% · 3.875%
HK$243,312
−HK$7,458/mo
Today · 4.125%
HK$250,770
baseline
▲ 0.50% · 4.625%
HK$266,028
+HK$15,258/mo
Deposit HK$5.75M · loan HK$51.74M · min. income ≈ HK$501,540/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$2,443,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,517
−HK$14,183/mo
▼ 0.25% · 3.875%
HK$269,557
−HK$7,143/mo
Today · 4.125%
HK$276,700
baseline
▲ 0.50% · 4.625%
HK$291,285
+HK$14,585/mo
Deposit HK$5.75M · loan HK$51.74M · min. income ≈ HK$553,400/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$2,443,395 · Scale 2, in force from 26 Feb 2026)