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$130,955
−HK$8,212/mo
▼ 0.25% · 3.875%
HK$135,028
−HK$4,139/mo
Today · 4.125%
HK$139,167
baseline
▲ 0.50% · 4.625%
HK$147,635
+HK$8,468/mo
Deposit HK$28.71M · loan HK$28.71M · min. income ≈ HK$278,334/mo (50% DSR)
Upfront cash ≈ HK$31.16M (deposit + AVD stamp duty HK$2,440,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,686
−HK$7,871/mo
▼ 0.25% · 3.875%
HK$149,593
−HK$3,964/mo
Today · 4.125%
HK$153,557
baseline
▲ 0.50% · 4.625%
HK$161,651
+HK$8,094/mo
Deposit HK$28.71M · loan HK$28.71M · min. income ≈ HK$307,114/mo (50% DSR)
Upfront cash ≈ HK$31.16M (deposit + AVD stamp duty HK$2,440,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,146
−HK$9,854/mo
▼ 0.25% · 3.875%
HK$162,034
−HK$4,966/mo
Today · 4.125%
HK$167,000
baseline
▲ 0.50% · 4.625%
HK$177,162
+HK$10,162/mo
Deposit HK$22.97M · loan HK$34.46M · min. income ≈ HK$334,000/mo (50% DSR)
Upfront cash ≈ HK$25.41M (deposit + AVD stamp duty HK$2,440,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,823
−HK$9,445/mo
▼ 0.25% · 3.875%
HK$179,512
−HK$4,756/mo
Today · 4.125%
HK$184,268
baseline
▲ 0.50% · 4.625%
HK$193,981
+HK$9,713/mo
Deposit HK$22.97M · loan HK$34.46M · min. income ≈ HK$368,536/mo (50% DSR)
Upfront cash ≈ HK$25.41M (deposit + AVD stamp duty HK$2,440,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,337
−HK$11,497/mo
▼ 0.25% · 3.875%
HK$189,040
−HK$5,794/mo
Today · 4.125%
HK$194,834
baseline
▲ 0.50% · 4.625%
HK$206,689
+HK$11,855/mo
Deposit HK$17.23M · loan HK$40.20M · min. income ≈ HK$389,668/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$2,440,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,960
−HK$11,020/mo
▼ 0.25% · 3.875%
HK$209,431
−HK$5,549/mo
Today · 4.125%
HK$214,980
baseline
▲ 0.50% · 4.625%
HK$226,312
+HK$11,332/mo
Deposit HK$17.23M · loan HK$40.20M · min. income ≈ HK$429,960/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$2,440,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,719
−HK$14,781/mo
▼ 0.25% · 3.875%
HK$243,051
−HK$7,449/mo
Today · 4.125%
HK$250,500
baseline
▲ 0.50% · 4.625%
HK$265,743
+HK$15,243/mo
Deposit HK$5.74M · loan HK$51.69M · min. income ≈ HK$501,000/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$2,440,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,235
−HK$14,168/mo
▼ 0.25% · 3.875%
HK$269,268
−HK$7,135/mo
Today · 4.125%
HK$276,403
baseline
▲ 0.50% · 4.625%
HK$290,972
+HK$14,569/mo
Deposit HK$5.74M · loan HK$51.69M · min. income ≈ HK$552,806/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$2,440,771 · Scale 2, in force from 26 Feb 2026)