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$130,125
−HK$8,160/mo
▼ 0.25% · 3.875%
HK$134,172
−HK$4,113/mo
Today · 4.125%
HK$138,285
baseline
▲ 0.50% · 4.625%
HK$146,699
+HK$8,414/mo
Deposit HK$28.53M · loan HK$28.53M · min. income ≈ HK$276,570/mo (50% DSR)
Upfront cash ≈ HK$30.96M (deposit + AVD stamp duty HK$2,425,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,762
−HK$7,822/mo
▼ 0.25% · 3.875%
HK$148,645
−HK$3,939/mo
Today · 4.125%
HK$152,584
baseline
▲ 0.50% · 4.625%
HK$160,626
+HK$8,042/mo
Deposit HK$28.53M · loan HK$28.53M · min. income ≈ HK$305,168/mo (50% DSR)
Upfront cash ≈ HK$30.96M (deposit + AVD stamp duty HK$2,425,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,150
−HK$9,792/mo
▼ 0.25% · 3.875%
HK$161,007
−HK$4,935/mo
Today · 4.125%
HK$165,942
baseline
▲ 0.50% · 4.625%
HK$176,039
+HK$10,097/mo
Deposit HK$22.83M · loan HK$34.24M · min. income ≈ HK$331,884/mo (50% DSR)
Upfront cash ≈ HK$25.25M (deposit + AVD stamp duty HK$2,425,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,715
−HK$9,385/mo
▼ 0.25% · 3.875%
HK$178,374
−HK$4,726/mo
Today · 4.125%
HK$183,100
baseline
▲ 0.50% · 4.625%
HK$192,752
+HK$9,652/mo
Deposit HK$22.83M · loan HK$34.24M · min. income ≈ HK$366,200/mo (50% DSR)
Upfront cash ≈ HK$25.25M (deposit + AVD stamp duty HK$2,425,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,175
−HK$11,424/mo
▼ 0.25% · 3.875%
HK$187,841
−HK$5,758/mo
Today · 4.125%
HK$193,599
baseline
▲ 0.50% · 4.625%
HK$205,379
+HK$11,780/mo
Deposit HK$17.12M · loan HK$39.95M · min. income ≈ HK$387,198/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$2,425,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,667
−HK$10,950/mo
▼ 0.25% · 3.875%
HK$208,103
−HK$5,514/mo
Today · 4.125%
HK$213,617
baseline
▲ 0.50% · 4.625%
HK$224,877
+HK$11,260/mo
Deposit HK$17.12M · loan HK$39.95M · min. income ≈ HK$427,234/mo (50% DSR)
Upfront cash ≈ HK$19.55M (deposit + AVD stamp duty HK$2,425,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,225
−HK$14,687/mo
▼ 0.25% · 3.875%
HK$241,510
−HK$7,402/mo
Today · 4.125%
HK$248,912
baseline
▲ 0.50% · 4.625%
HK$264,058
+HK$15,146/mo
Deposit HK$5.71M · loan HK$51.36M · min. income ≈ HK$497,824/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$2,425,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,572
−HK$14,078/mo
▼ 0.25% · 3.875%
HK$267,561
−HK$7,089/mo
Today · 4.125%
HK$274,650
baseline
▲ 0.50% · 4.625%
HK$289,128
+HK$14,478/mo
Deposit HK$5.71M · loan HK$51.36M · min. income ≈ HK$549,300/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$2,425,298 · Scale 2, in force from 26 Feb 2026)