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$129,951
−HK$8,149/mo
▼ 0.25% · 3.875%
HK$133,994
−HK$4,106/mo
Today · 4.125%
HK$138,100
baseline
▲ 0.50% · 4.625%
HK$146,504
+HK$8,404/mo
Deposit HK$28.49M · loan HK$28.49M · min. income ≈ HK$276,200/mo (50% DSR)
Upfront cash ≈ HK$30.92M (deposit + AVD stamp duty HK$2,422,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,570
−HK$7,810/mo
▼ 0.25% · 3.875%
HK$148,447
−HK$3,933/mo
Today · 4.125%
HK$152,380
baseline
▲ 0.50% · 4.625%
HK$160,412
+HK$8,032/mo
Deposit HK$28.49M · loan HK$28.49M · min. income ≈ HK$304,760/mo (50% DSR)
Upfront cash ≈ HK$30.92M (deposit + AVD stamp duty HK$2,422,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,942
−HK$9,779/mo
▼ 0.25% · 3.875%
HK$160,792
−HK$4,929/mo
Today · 4.125%
HK$165,721
baseline
▲ 0.50% · 4.625%
HK$175,804
+HK$10,083/mo
Deposit HK$22.80M · loan HK$34.19M · min. income ≈ HK$331,442/mo (50% DSR)
Upfront cash ≈ HK$25.22M (deposit + AVD stamp duty HK$2,422,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,483
−HK$9,373/mo
▼ 0.25% · 3.875%
HK$178,136
−HK$4,720/mo
Today · 4.125%
HK$182,856
baseline
▲ 0.50% · 4.625%
HK$192,495
+HK$9,639/mo
Deposit HK$22.80M · loan HK$34.19M · min. income ≈ HK$365,712/mo (50% DSR)
Upfront cash ≈ HK$25.22M (deposit + AVD stamp duty HK$2,422,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,932
−HK$11,409/mo
▼ 0.25% · 3.875%
HK$187,591
−HK$5,750/mo
Today · 4.125%
HK$193,341
baseline
▲ 0.50% · 4.625%
HK$205,105
+HK$11,764/mo
Deposit HK$17.10M · loan HK$39.89M · min. income ≈ HK$386,682/mo (50% DSR)
Upfront cash ≈ HK$19.52M (deposit + AVD stamp duty HK$2,422,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,397
−HK$10,935/mo
▼ 0.25% · 3.875%
HK$207,826
−HK$5,506/mo
Today · 4.125%
HK$213,332
baseline
▲ 0.50% · 4.625%
HK$224,577
+HK$11,245/mo
Deposit HK$17.10M · loan HK$39.89M · min. income ≈ HK$426,664/mo (50% DSR)
Upfront cash ≈ HK$19.52M (deposit + AVD stamp duty HK$2,422,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,912
−HK$14,669/mo
▼ 0.25% · 3.875%
HK$241,188
−HK$7,393/mo
Today · 4.125%
HK$248,581
baseline
▲ 0.50% · 4.625%
HK$263,706
+HK$15,125/mo
Deposit HK$5.70M · loan HK$51.29M · min. income ≈ HK$497,162/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$2,422,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,225
−HK$14,059/mo
▼ 0.25% · 3.875%
HK$267,204
−HK$7,080/mo
Today · 4.125%
HK$274,284
baseline
▲ 0.50% · 4.625%
HK$288,742
+HK$14,458/mo
Deposit HK$5.70M · loan HK$51.29M · min. income ≈ HK$548,568/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$2,422,067 · Scale 2, in force from 26 Feb 2026)