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$131,524
−HK$8,247/mo
▼ 0.25% · 3.875%
HK$135,615
−HK$4,156/mo
Today · 4.125%
HK$139,771
baseline
▲ 0.50% · 4.625%
HK$148,276
+HK$8,505/mo
Deposit HK$28.84M · loan HK$28.84M · min. income ≈ HK$279,542/mo (50% DSR)
Upfront cash ≈ HK$31.29M (deposit + AVD stamp duty HK$2,451,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,319
−HK$7,905/mo
▼ 0.25% · 3.875%
HK$150,243
−HK$3,981/mo
Today · 4.125%
HK$154,224
baseline
▲ 0.50% · 4.625%
HK$162,353
+HK$8,129/mo
Deposit HK$28.84M · loan HK$28.84M · min. income ≈ HK$308,448/mo (50% DSR)
Upfront cash ≈ HK$31.29M (deposit + AVD stamp duty HK$2,451,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,828
−HK$9,898/mo
▼ 0.25% · 3.875%
HK$162,738
−HK$4,988/mo
Today · 4.125%
HK$167,726
baseline
▲ 0.50% · 4.625%
HK$177,931
+HK$10,205/mo
Deposit HK$23.07M · loan HK$34.61M · min. income ≈ HK$335,452/mo (50% DSR)
Upfront cash ≈ HK$25.52M (deposit + AVD stamp duty HK$2,451,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,582
−HK$9,487/mo
▼ 0.25% · 3.875%
HK$180,291
−HK$4,778/mo
Today · 4.125%
HK$185,069
baseline
▲ 0.50% · 4.625%
HK$194,824
+HK$9,755/mo
Deposit HK$23.07M · loan HK$34.61M · min. income ≈ HK$370,138/mo (50% DSR)
Upfront cash ≈ HK$25.52M (deposit + AVD stamp duty HK$2,451,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,133
−HK$11,547/mo
▼ 0.25% · 3.875%
HK$189,861
−HK$5,819/mo
Today · 4.125%
HK$195,680
baseline
▲ 0.50% · 4.625%
HK$207,586
+HK$11,906/mo
Deposit HK$17.30M · loan HK$40.38M · min. income ≈ HK$391,360/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$2,451,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,846
−HK$11,067/mo
▼ 0.25% · 3.875%
HK$210,340
−HK$5,573/mo
Today · 4.125%
HK$215,913
baseline
▲ 0.50% · 4.625%
HK$227,294
+HK$11,381/mo
Deposit HK$17.30M · loan HK$40.38M · min. income ≈ HK$431,826/mo (50% DSR)
Upfront cash ≈ HK$19.76M (deposit + AVD stamp duty HK$2,451,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,742
−HK$14,846/mo
▼ 0.25% · 3.875%
HK$244,107
−HK$7,481/mo
Today · 4.125%
HK$251,588
baseline
▲ 0.50% · 4.625%
HK$266,897
+HK$15,309/mo
Deposit HK$5.77M · loan HK$51.91M · min. income ≈ HK$503,176/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$2,451,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,374
−HK$14,229/mo
▼ 0.25% · 3.875%
HK$270,437
−HK$7,166/mo
Today · 4.125%
HK$277,603
baseline
▲ 0.50% · 4.625%
HK$292,236
+HK$14,633/mo
Deposit HK$5.77M · loan HK$51.91M · min. income ≈ HK$555,206/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$2,451,371 · Scale 2, in force from 26 Feb 2026)