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$131,444
−HK$8,242/mo
▼ 0.25% · 3.875%
HK$135,532
−HK$4,154/mo
Today · 4.125%
HK$139,686
baseline
▲ 0.50% · 4.625%
HK$148,186
+HK$8,500/mo
Deposit HK$28.82M · loan HK$28.82M · min. income ≈ HK$279,372/mo (50% DSR)
Upfront cash ≈ HK$31.27M (deposit + AVD stamp duty HK$2,449,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,230
−HK$7,900/mo
▼ 0.25% · 3.875%
HK$150,152
−HK$3,978/mo
Today · 4.125%
HK$154,130
baseline
▲ 0.50% · 4.625%
HK$162,255
+HK$8,125/mo
Deposit HK$28.82M · loan HK$28.82M · min. income ≈ HK$308,260/mo (50% DSR)
Upfront cash ≈ HK$31.27M (deposit + AVD stamp duty HK$2,449,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,732
−HK$9,892/mo
▼ 0.25% · 3.875%
HK$162,639
−HK$4,985/mo
Today · 4.125%
HK$167,624
baseline
▲ 0.50% · 4.625%
HK$177,823
+HK$10,199/mo
Deposit HK$23.06M · loan HK$34.59M · min. income ≈ HK$335,248/mo (50% DSR)
Upfront cash ≈ HK$25.51M (deposit + AVD stamp duty HK$2,449,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,476
−HK$9,480/mo
▼ 0.25% · 3.875%
HK$180,182
−HK$4,774/mo
Today · 4.125%
HK$184,956
baseline
▲ 0.50% · 4.625%
HK$194,706
+HK$9,750/mo
Deposit HK$23.06M · loan HK$34.59M · min. income ≈ HK$369,912/mo (50% DSR)
Upfront cash ≈ HK$25.51M (deposit + AVD stamp duty HK$2,449,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,021
−HK$11,540/mo
▼ 0.25% · 3.875%
HK$189,745
−HK$5,816/mo
Today · 4.125%
HK$195,561
baseline
▲ 0.50% · 4.625%
HK$207,460
+HK$11,899/mo
Deposit HK$17.29M · loan HK$40.35M · min. income ≈ HK$391,122/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$2,449,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,722
−HK$11,060/mo
▼ 0.25% · 3.875%
HK$210,212
−HK$5,570/mo
Today · 4.125%
HK$215,782
baseline
▲ 0.50% · 4.625%
HK$227,156
+HK$11,374/mo
Deposit HK$17.29M · loan HK$40.35M · min. income ≈ HK$431,564/mo (50% DSR)
Upfront cash ≈ HK$19.74M (deposit + AVD stamp duty HK$2,449,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,599
−HK$14,837/mo
▼ 0.25% · 3.875%
HK$243,958
−HK$7,478/mo
Today · 4.125%
HK$251,436
baseline
▲ 0.50% · 4.625%
HK$266,735
+HK$15,299/mo
Deposit HK$5.76M · loan HK$51.88M · min. income ≈ HK$502,872/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$2,449,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,214
−HK$14,220/mo
▼ 0.25% · 3.875%
HK$270,273
−HK$7,161/mo
Today · 4.125%
HK$277,434
baseline
▲ 0.50% · 4.625%
HK$292,058
+HK$14,624/mo
Deposit HK$5.76M · loan HK$51.88M · min. income ≈ HK$554,868/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$2,449,882 · Scale 2, in force from 26 Feb 2026)