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$130,881
−HK$8,208/mo
▼ 0.25% · 3.875%
HK$134,953
−HK$4,136/mo
Today · 4.125%
HK$139,089
baseline
▲ 0.50% · 4.625%
HK$147,552
+HK$8,463/mo
Deposit HK$28.70M · loan HK$28.70M · min. income ≈ HK$278,178/mo (50% DSR)
Upfront cash ≈ HK$31.14M (deposit + AVD stamp duty HK$2,439,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,604
−HK$7,867/mo
▼ 0.25% · 3.875%
HK$149,509
−HK$3,962/mo
Today · 4.125%
HK$153,471
baseline
▲ 0.50% · 4.625%
HK$161,561
+HK$8,090/mo
Deposit HK$28.70M · loan HK$28.70M · min. income ≈ HK$306,942/mo (50% DSR)
Upfront cash ≈ HK$31.14M (deposit + AVD stamp duty HK$2,439,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,058
−HK$9,849/mo
▼ 0.25% · 3.875%
HK$161,943
−HK$4,964/mo
Today · 4.125%
HK$166,907
baseline
▲ 0.50% · 4.625%
HK$177,063
+HK$10,156/mo
Deposit HK$22.96M · loan HK$34.44M · min. income ≈ HK$333,814/mo (50% DSR)
Upfront cash ≈ HK$25.40M (deposit + AVD stamp duty HK$2,439,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,725
−HK$9,440/mo
▼ 0.25% · 3.875%
HK$179,411
−HK$4,754/mo
Today · 4.125%
HK$184,165
baseline
▲ 0.50% · 4.625%
HK$193,873
+HK$9,708/mo
Deposit HK$22.96M · loan HK$34.44M · min. income ≈ HK$368,330/mo (50% DSR)
Upfront cash ≈ HK$25.40M (deposit + AVD stamp duty HK$2,439,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,234
−HK$11,490/mo
▼ 0.25% · 3.875%
HK$188,934
−HK$5,790/mo
Today · 4.125%
HK$194,724
baseline
▲ 0.50% · 4.625%
HK$206,573
+HK$11,849/mo
Deposit HK$17.22M · loan HK$40.18M · min. income ≈ HK$389,448/mo (50% DSR)
Upfront cash ≈ HK$19.66M (deposit + AVD stamp duty HK$2,439,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,846
−HK$11,013/mo
▼ 0.25% · 3.875%
HK$209,313
−HK$5,546/mo
Today · 4.125%
HK$214,859
baseline
▲ 0.50% · 4.625%
HK$226,185
+HK$11,326/mo
Deposit HK$17.22M · loan HK$40.18M · min. income ≈ HK$429,718/mo (50% DSR)
Upfront cash ≈ HK$19.66M (deposit + AVD stamp duty HK$2,439,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,587
−HK$14,773/mo
▼ 0.25% · 3.875%
HK$242,915
−HK$7,445/mo
Today · 4.125%
HK$250,360
baseline
▲ 0.50% · 4.625%
HK$265,594
+HK$15,234/mo
Deposit HK$5.74M · loan HK$51.66M · min. income ≈ HK$500,720/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$2,439,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,088
−HK$14,160/mo
▼ 0.25% · 3.875%
HK$269,117
−HK$7,131/mo
Today · 4.125%
HK$276,248
baseline
▲ 0.50% · 4.625%
HK$290,809
+HK$14,561/mo
Deposit HK$5.74M · loan HK$51.66M · min. income ≈ HK$552,496/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$2,439,402 · Scale 2, in force from 26 Feb 2026)