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$131,973
−HK$8,276/mo
▼ 0.25% · 3.875%
HK$136,078
−HK$4,171/mo
Today · 4.125%
HK$140,249
baseline
▲ 0.50% · 4.625%
HK$148,783
+HK$8,534/mo
Deposit HK$28.94M · loan HK$28.94M · min. income ≈ HK$280,498/mo (50% DSR)
Upfront cash ≈ HK$31.40M (deposit + AVD stamp duty HK$2,459,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,819
−HK$7,932/mo
▼ 0.25% · 3.875%
HK$150,756
−HK$3,995/mo
Today · 4.125%
HK$154,751
baseline
▲ 0.50% · 4.625%
HK$162,908
+HK$8,157/mo
Deposit HK$28.94M · loan HK$28.94M · min. income ≈ HK$309,502/mo (50% DSR)
Upfront cash ≈ HK$31.40M (deposit + AVD stamp duty HK$2,459,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,368
−HK$9,931/mo
▼ 0.25% · 3.875%
HK$163,294
−HK$5,005/mo
Today · 4.125%
HK$168,299
baseline
▲ 0.50% · 4.625%
HK$178,539
+HK$10,240/mo
Deposit HK$23.15M · loan HK$34.73M · min. income ≈ HK$336,598/mo (50% DSR)
Upfront cash ≈ HK$25.61M (deposit + AVD stamp duty HK$2,459,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,183
−HK$9,518/mo
▼ 0.25% · 3.875%
HK$180,908
−HK$4,793/mo
Today · 4.125%
HK$185,701
baseline
▲ 0.50% · 4.625%
HK$195,490
+HK$9,789/mo
Deposit HK$23.15M · loan HK$34.73M · min. income ≈ HK$371,402/mo (50% DSR)
Upfront cash ≈ HK$25.61M (deposit + AVD stamp duty HK$2,459,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,762
−HK$11,587/mo
▼ 0.25% · 3.875%
HK$190,510
−HK$5,839/mo
Today · 4.125%
HK$196,349
baseline
▲ 0.50% · 4.625%
HK$208,296
+HK$11,947/mo
Deposit HK$17.36M · loan HK$40.51M · min. income ≈ HK$392,698/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$2,459,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,546
−HK$11,105/mo
▼ 0.25% · 3.875%
HK$211,059
−HK$5,592/mo
Today · 4.125%
HK$216,651
baseline
▲ 0.50% · 4.625%
HK$228,071
+HK$11,420/mo
Deposit HK$17.36M · loan HK$40.51M · min. income ≈ HK$433,302/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$2,459,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,552
−HK$14,896/mo
▼ 0.25% · 3.875%
HK$244,941
−HK$7,507/mo
Today · 4.125%
HK$252,448
baseline
▲ 0.50% · 4.625%
HK$267,809
+HK$15,361/mo
Deposit HK$5.79M · loan HK$52.09M · min. income ≈ HK$504,896/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$2,459,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,274
−HK$14,278/mo
▼ 0.25% · 3.875%
HK$271,362
−HK$7,190/mo
Today · 4.125%
HK$278,552
baseline
▲ 0.50% · 4.625%
HK$293,235
+HK$14,683/mo
Deposit HK$5.79M · loan HK$52.09M · min. income ≈ HK$557,104/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$2,459,751 · Scale 2, in force from 26 Feb 2026)