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$130,405
−HK$8,177/mo
▼ 0.25% · 3.875%
HK$134,461
−HK$4,121/mo
Today · 4.125%
HK$138,582
baseline
▲ 0.50% · 4.625%
HK$147,015
+HK$8,433/mo
Deposit HK$28.59M · loan HK$28.59M · min. income ≈ HK$277,164/mo (50% DSR)
Upfront cash ≈ HK$31.02M (deposit + AVD stamp duty HK$2,430,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,074
−HK$7,838/mo
▼ 0.25% · 3.875%
HK$148,965
−HK$3,947/mo
Today · 4.125%
HK$152,912
baseline
▲ 0.50% · 4.625%
HK$160,972
+HK$8,060/mo
Deposit HK$28.59M · loan HK$28.59M · min. income ≈ HK$305,824/mo (50% DSR)
Upfront cash ≈ HK$31.02M (deposit + AVD stamp duty HK$2,430,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,486
−HK$9,813/mo
▼ 0.25% · 3.875%
HK$161,353
−HK$4,946/mo
Today · 4.125%
HK$166,299
baseline
▲ 0.50% · 4.625%
HK$176,418
+HK$10,119/mo
Deposit HK$22.88M · loan HK$34.31M · min. income ≈ HK$332,598/mo (50% DSR)
Upfront cash ≈ HK$25.31M (deposit + AVD stamp duty HK$2,430,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,089
−HK$9,405/mo
▼ 0.25% · 3.875%
HK$178,758
−HK$4,736/mo
Today · 4.125%
HK$183,494
baseline
▲ 0.50% · 4.625%
HK$193,166
+HK$9,672/mo
Deposit HK$22.88M · loan HK$34.31M · min. income ≈ HK$366,988/mo (50% DSR)
Upfront cash ≈ HK$25.31M (deposit + AVD stamp duty HK$2,430,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,567
−HK$11,448/mo
▼ 0.25% · 3.875%
HK$188,246
−HK$5,769/mo
Today · 4.125%
HK$194,015
baseline
▲ 0.50% · 4.625%
HK$205,821
+HK$11,806/mo
Deposit HK$17.16M · loan HK$40.03M · min. income ≈ HK$388,030/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$2,430,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,104
−HK$10,973/mo
▼ 0.25% · 3.875%
HK$208,551
−HK$5,526/mo
Today · 4.125%
HK$214,077
baseline
▲ 0.50% · 4.625%
HK$225,361
+HK$11,284/mo
Deposit HK$17.16M · loan HK$40.03M · min. income ≈ HK$428,154/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$2,430,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,729
−HK$14,719/mo
▼ 0.25% · 3.875%
HK$242,030
−HK$7,418/mo
Today · 4.125%
HK$249,448
baseline
▲ 0.50% · 4.625%
HK$264,626
+HK$15,178/mo
Deposit HK$5.72M · loan HK$51.47M · min. income ≈ HK$498,896/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$2,430,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,133
−HK$14,108/mo
▼ 0.25% · 3.875%
HK$268,137
−HK$7,104/mo
Today · 4.125%
HK$275,241
baseline
▲ 0.50% · 4.625%
HK$289,750
+HK$14,509/mo
Deposit HK$5.72M · loan HK$51.47M · min. income ≈ HK$550,482/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$2,430,517 · Scale 2, in force from 26 Feb 2026)