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$129,606
−HK$8,128/mo
▼ 0.25% · 3.875%
HK$133,638
−HK$4,096/mo
Today · 4.125%
HK$137,734
baseline
▲ 0.50% · 4.625%
HK$146,114
+HK$8,380/mo
Deposit HK$28.42M · loan HK$28.42M · min. income ≈ HK$275,468/mo (50% DSR)
Upfront cash ≈ HK$30.83M (deposit + AVD stamp duty HK$2,415,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,186
−HK$7,789/mo
▼ 0.25% · 3.875%
HK$148,053
−HK$3,922/mo
Today · 4.125%
HK$151,975
baseline
▲ 0.50% · 4.625%
HK$159,986
+HK$8,011/mo
Deposit HK$28.42M · loan HK$28.42M · min. income ≈ HK$303,950/mo (50% DSR)
Upfront cash ≈ HK$30.83M (deposit + AVD stamp duty HK$2,415,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,527
−HK$9,753/mo
▼ 0.25% · 3.875%
HK$160,365
−HK$4,915/mo
Today · 4.125%
HK$165,280
baseline
▲ 0.50% · 4.625%
HK$175,337
+HK$10,057/mo
Deposit HK$22.74M · loan HK$34.10M · min. income ≈ HK$330,560/mo (50% DSR)
Upfront cash ≈ HK$25.15M (deposit + AVD stamp duty HK$2,415,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,023
−HK$9,348/mo
▼ 0.25% · 3.875%
HK$177,663
−HK$4,708/mo
Today · 4.125%
HK$182,371
baseline
▲ 0.50% · 4.625%
HK$191,984
+HK$9,613/mo
Deposit HK$22.74M · loan HK$34.10M · min. income ≈ HK$364,742/mo (50% DSR)
Upfront cash ≈ HK$25.15M (deposit + AVD stamp duty HK$2,415,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,449
−HK$11,378/mo
▼ 0.25% · 3.875%
HK$187,093
−HK$5,734/mo
Today · 4.125%
HK$192,827
baseline
▲ 0.50% · 4.625%
HK$204,560
+HK$11,733/mo
Deposit HK$17.05M · loan HK$39.79M · min. income ≈ HK$385,654/mo (50% DSR)
Upfront cash ≈ HK$19.47M (deposit + AVD stamp duty HK$2,415,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,860
−HK$10,906/mo
▼ 0.25% · 3.875%
HK$207,274
−HK$5,492/mo
Today · 4.125%
HK$212,766
baseline
▲ 0.50% · 4.625%
HK$223,981
+HK$11,215/mo
Deposit HK$17.05M · loan HK$39.79M · min. income ≈ HK$425,532/mo (50% DSR)
Upfront cash ≈ HK$19.47M (deposit + AVD stamp duty HK$2,415,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,291
−HK$14,629/mo
▼ 0.25% · 3.875%
HK$240,548
−HK$7,372/mo
Today · 4.125%
HK$247,920
baseline
▲ 0.50% · 4.625%
HK$263,006
+HK$15,086/mo
Deposit HK$5.68M · loan HK$51.15M · min. income ≈ HK$495,840/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$2,415,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,534
−HK$14,022/mo
▼ 0.25% · 3.875%
HK$266,495
−HK$7,061/mo
Today · 4.125%
HK$273,556
baseline
▲ 0.50% · 4.625%
HK$287,975
+HK$14,419/mo
Deposit HK$5.68M · loan HK$51.15M · min. income ≈ HK$547,112/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$2,415,633 · Scale 2, in force from 26 Feb 2026)