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$129,575
−HK$8,125/mo
▼ 0.25% · 3.875%
HK$133,605
−HK$4,095/mo
Today · 4.125%
HK$137,700
baseline
▲ 0.50% · 4.625%
HK$146,079
+HK$8,379/mo
Deposit HK$28.41M · loan HK$28.41M · min. income ≈ HK$275,400/mo (50% DSR)
Upfront cash ≈ HK$30.83M (deposit + AVD stamp duty HK$2,415,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,151
−HK$7,788/mo
▼ 0.25% · 3.875%
HK$148,017
−HK$3,922/mo
Today · 4.125%
HK$151,939
baseline
▲ 0.50% · 4.625%
HK$159,948
+HK$8,009/mo
Deposit HK$28.41M · loan HK$28.41M · min. income ≈ HK$303,878/mo (50% DSR)
Upfront cash ≈ HK$30.83M (deposit + AVD stamp duty HK$2,415,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,490
−HK$9,750/mo
▼ 0.25% · 3.875%
HK$160,326
−HK$4,914/mo
Today · 4.125%
HK$165,240
baseline
▲ 0.50% · 4.625%
HK$175,295
+HK$10,055/mo
Deposit HK$22.73M · loan HK$34.09M · min. income ≈ HK$330,480/mo (50% DSR)
Upfront cash ≈ HK$25.14M (deposit + AVD stamp duty HK$2,415,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,981
−HK$9,345/mo
▼ 0.25% · 3.875%
HK$177,620
−HK$4,706/mo
Today · 4.125%
HK$182,326
baseline
▲ 0.50% · 4.625%
HK$191,937
+HK$9,611/mo
Deposit HK$22.73M · loan HK$34.09M · min. income ≈ HK$364,652/mo (50% DSR)
Upfront cash ≈ HK$25.14M (deposit + AVD stamp duty HK$2,415,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,405
−HK$11,375/mo
▼ 0.25% · 3.875%
HK$187,047
−HK$5,733/mo
Today · 4.125%
HK$192,780
baseline
▲ 0.50% · 4.625%
HK$204,511
+HK$11,731/mo
Deposit HK$17.05M · loan HK$39.78M · min. income ≈ HK$385,560/mo (50% DSR)
Upfront cash ≈ HK$19.46M (deposit + AVD stamp duty HK$2,415,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,811
−HK$10,903/mo
▼ 0.25% · 3.875%
HK$207,223
−HK$5,491/mo
Today · 4.125%
HK$212,714
baseline
▲ 0.50% · 4.625%
HK$223,927
+HK$11,213/mo
Deposit HK$17.05M · loan HK$39.78M · min. income ≈ HK$425,428/mo (50% DSR)
Upfront cash ≈ HK$19.46M (deposit + AVD stamp duty HK$2,415,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,235
−HK$14,625/mo
▼ 0.25% · 3.875%
HK$240,489
−HK$7,371/mo
Today · 4.125%
HK$247,860
baseline
▲ 0.50% · 4.625%
HK$262,942
+HK$15,082/mo
Deposit HK$5.68M · loan HK$51.14M · min. income ≈ HK$495,720/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$2,415,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,471
−HK$14,019/mo
▼ 0.25% · 3.875%
HK$266,430
−HK$7,060/mo
Today · 4.125%
HK$273,490
baseline
▲ 0.50% · 4.625%
HK$287,906
+HK$14,416/mo
Deposit HK$5.68M · loan HK$51.14M · min. income ≈ HK$546,980/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$2,415,048 · Scale 2, in force from 26 Feb 2026)