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$130,233
−HK$8,167/mo
▼ 0.25% · 3.875%
HK$134,284
−HK$4,116/mo
Today · 4.125%
HK$138,400
baseline
▲ 0.50% · 4.625%
HK$146,821
+HK$8,421/mo
Deposit HK$28.56M · loan HK$28.56M · min. income ≈ HK$276,800/mo (50% DSR)
Upfront cash ≈ HK$30.98M (deposit + AVD stamp duty HK$2,427,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,883
−HK$7,827/mo
▼ 0.25% · 3.875%
HK$148,769
−HK$3,941/mo
Today · 4.125%
HK$152,710
baseline
▲ 0.50% · 4.625%
HK$160,760
+HK$8,050/mo
Deposit HK$28.56M · loan HK$28.56M · min. income ≈ HK$305,420/mo (50% DSR)
Upfront cash ≈ HK$30.98M (deposit + AVD stamp duty HK$2,427,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,280
−HK$9,800/mo
▼ 0.25% · 3.875%
HK$161,141
−HK$4,939/mo
Today · 4.125%
HK$166,080
baseline
▲ 0.50% · 4.625%
HK$176,185
+HK$10,105/mo
Deposit HK$22.85M · loan HK$34.27M · min. income ≈ HK$332,160/mo (50% DSR)
Upfront cash ≈ HK$25.27M (deposit + AVD stamp duty HK$2,427,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,859
−HK$9,393/mo
▼ 0.25% · 3.875%
HK$178,522
−HK$4,730/mo
Today · 4.125%
HK$183,252
baseline
▲ 0.50% · 4.625%
HK$192,912
+HK$9,660/mo
Deposit HK$22.85M · loan HK$34.27M · min. income ≈ HK$366,504/mo (50% DSR)
Upfront cash ≈ HK$25.27M (deposit + AVD stamp duty HK$2,427,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,326
−HK$11,434/mo
▼ 0.25% · 3.875%
HK$187,997
−HK$5,763/mo
Today · 4.125%
HK$193,760
baseline
▲ 0.50% · 4.625%
HK$205,549
+HK$11,789/mo
Deposit HK$17.13M · loan HK$39.98M · min. income ≈ HK$387,520/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$2,427,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,836
−HK$10,959/mo
▼ 0.25% · 3.875%
HK$208,276
−HK$5,519/mo
Today · 4.125%
HK$213,795
baseline
▲ 0.50% · 4.625%
HK$225,064
+HK$11,269/mo
Deposit HK$17.13M · loan HK$39.98M · min. income ≈ HK$427,590/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$2,427,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,419
−HK$14,700/mo
▼ 0.25% · 3.875%
HK$241,711
−HK$7,408/mo
Today · 4.125%
HK$249,119
baseline
▲ 0.50% · 4.625%
HK$264,278
+HK$15,159/mo
Deposit HK$5.71M · loan HK$51.40M · min. income ≈ HK$498,238/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$2,427,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,789
−HK$14,090/mo
▼ 0.25% · 3.875%
HK$267,783
−HK$7,096/mo
Today · 4.125%
HK$274,879
baseline
▲ 0.50% · 4.625%
HK$289,368
+HK$14,489/mo
Deposit HK$5.71M · loan HK$51.40M · min. income ≈ HK$549,758/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$2,427,315 · Scale 2, in force from 26 Feb 2026)