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$129,620
−HK$8,129/mo
▼ 0.25% · 3.875%
HK$133,652
−HK$4,097/mo
Today · 4.125%
HK$137,749
baseline
▲ 0.50% · 4.625%
HK$146,130
+HK$8,381/mo
Deposit HK$28.42M · loan HK$28.42M · min. income ≈ HK$275,498/mo (50% DSR)
Upfront cash ≈ HK$30.84M (deposit + AVD stamp duty HK$2,415,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,201
−HK$7,791/mo
▼ 0.25% · 3.875%
HK$148,069
−HK$3,923/mo
Today · 4.125%
HK$151,992
baseline
▲ 0.50% · 4.625%
HK$160,004
+HK$8,012/mo
Deposit HK$28.42M · loan HK$28.42M · min. income ≈ HK$303,984/mo (50% DSR)
Upfront cash ≈ HK$30.84M (deposit + AVD stamp duty HK$2,415,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,544
−HK$9,754/mo
▼ 0.25% · 3.875%
HK$160,383
−HK$4,915/mo
Today · 4.125%
HK$165,298
baseline
▲ 0.50% · 4.625%
HK$175,356
+HK$10,058/mo
Deposit HK$22.74M · loan HK$34.11M · min. income ≈ HK$330,596/mo (50% DSR)
Upfront cash ≈ HK$25.15M (deposit + AVD stamp duty HK$2,415,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,042
−HK$9,349/mo
▼ 0.25% · 3.875%
HK$177,683
−HK$4,708/mo
Today · 4.125%
HK$182,391
baseline
▲ 0.50% · 4.625%
HK$192,005
+HK$9,614/mo
Deposit HK$22.74M · loan HK$34.11M · min. income ≈ HK$364,782/mo (50% DSR)
Upfront cash ≈ HK$25.15M (deposit + AVD stamp duty HK$2,415,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,469
−HK$11,379/mo
▼ 0.25% · 3.875%
HK$187,113
−HK$5,735/mo
Today · 4.125%
HK$192,848
baseline
▲ 0.50% · 4.625%
HK$204,583
+HK$11,735/mo
Deposit HK$17.05M · loan HK$39.79M · min. income ≈ HK$385,696/mo (50% DSR)
Upfront cash ≈ HK$19.47M (deposit + AVD stamp duty HK$2,415,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,882
−HK$10,907/mo
▼ 0.25% · 3.875%
HK$207,296
−HK$5,493/mo
Today · 4.125%
HK$212,789
baseline
▲ 0.50% · 4.625%
HK$224,005
+HK$11,216/mo
Deposit HK$17.05M · loan HK$39.79M · min. income ≈ HK$425,578/mo (50% DSR)
Upfront cash ≈ HK$19.47M (deposit + AVD stamp duty HK$2,415,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,317
−HK$14,631/mo
▼ 0.25% · 3.875%
HK$240,574
−HK$7,374/mo
Today · 4.125%
HK$247,948
baseline
▲ 0.50% · 4.625%
HK$263,035
+HK$15,087/mo
Deposit HK$5.68M · loan HK$51.16M · min. income ≈ HK$495,896/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$2,415,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,562
−HK$14,024/mo
▼ 0.25% · 3.875%
HK$266,524
−HK$7,062/mo
Today · 4.125%
HK$273,586
baseline
▲ 0.50% · 4.625%
HK$288,007
+HK$14,421/mo
Deposit HK$5.68M · loan HK$51.16M · min. income ≈ HK$547,172/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$2,415,898 · Scale 2, in force from 26 Feb 2026)