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$130,123
−HK$8,160/mo
▼ 0.25% · 3.875%
HK$134,170
−HK$4,113/mo
Today · 4.125%
HK$138,283
baseline
▲ 0.50% · 4.625%
HK$146,697
+HK$8,414/mo
Deposit HK$28.53M · loan HK$28.53M · min. income ≈ HK$276,566/mo (50% DSR)
Upfront cash ≈ HK$30.96M (deposit + AVD stamp duty HK$2,425,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,760
−HK$7,821/mo
▼ 0.25% · 3.875%
HK$148,643
−HK$3,938/mo
Today · 4.125%
HK$152,581
baseline
▲ 0.50% · 4.625%
HK$160,624
+HK$8,043/mo
Deposit HK$28.53M · loan HK$28.53M · min. income ≈ HK$305,162/mo (50% DSR)
Upfront cash ≈ HK$30.96M (deposit + AVD stamp duty HK$2,425,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,147
−HK$9,792/mo
▼ 0.25% · 3.875%
HK$161,004
−HK$4,935/mo
Today · 4.125%
HK$165,939
baseline
▲ 0.50% · 4.625%
HK$176,036
+HK$10,097/mo
Deposit HK$22.83M · loan HK$34.24M · min. income ≈ HK$331,878/mo (50% DSR)
Upfront cash ≈ HK$25.25M (deposit + AVD stamp duty HK$2,425,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,712
−HK$9,386/mo
▼ 0.25% · 3.875%
HK$178,371
−HK$4,727/mo
Today · 4.125%
HK$183,098
baseline
▲ 0.50% · 4.625%
HK$192,749
+HK$9,651/mo
Deposit HK$22.83M · loan HK$34.24M · min. income ≈ HK$366,196/mo (50% DSR)
Upfront cash ≈ HK$25.25M (deposit + AVD stamp duty HK$2,425,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,172
−HK$11,424/mo
▼ 0.25% · 3.875%
HK$187,839
−HK$5,757/mo
Today · 4.125%
HK$193,596
baseline
▲ 0.50% · 4.625%
HK$205,376
+HK$11,780/mo
Deposit HK$17.12M · loan HK$39.95M · min. income ≈ HK$387,192/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$2,425,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,664
−HK$10,950/mo
▼ 0.25% · 3.875%
HK$208,100
−HK$5,514/mo
Today · 4.125%
HK$213,614
baseline
▲ 0.50% · 4.625%
HK$224,874
+HK$11,260/mo
Deposit HK$17.12M · loan HK$39.95M · min. income ≈ HK$427,228/mo (50% DSR)
Upfront cash ≈ HK$19.54M (deposit + AVD stamp duty HK$2,425,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,221
−HK$14,688/mo
▼ 0.25% · 3.875%
HK$241,507
−HK$7,402/mo
Today · 4.125%
HK$248,909
baseline
▲ 0.50% · 4.625%
HK$264,054
+HK$15,145/mo
Deposit HK$5.71M · loan HK$51.36M · min. income ≈ HK$497,818/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$2,425,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,569
−HK$14,077/mo
▼ 0.25% · 3.875%
HK$267,557
−HK$7,089/mo
Today · 4.125%
HK$274,646
baseline
▲ 0.50% · 4.625%
HK$289,123
+HK$14,477/mo
Deposit HK$5.71M · loan HK$51.36M · min. income ≈ HK$549,292/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$2,425,263 · Scale 2, in force from 26 Feb 2026)