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$129,804
−HK$8,140/mo
▼ 0.25% · 3.875%
HK$133,842
−HK$4,102/mo
Today · 4.125%
HK$137,944
baseline
▲ 0.50% · 4.625%
HK$146,338
+HK$8,394/mo
Deposit HK$28.46M · loan HK$28.46M · min. income ≈ HK$275,888/mo (50% DSR)
Upfront cash ≈ HK$30.88M (deposit + AVD stamp duty HK$2,419,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,406
−HK$7,802/mo
▼ 0.25% · 3.875%
HK$148,279
−HK$3,929/mo
Today · 4.125%
HK$152,208
baseline
▲ 0.50% · 4.625%
HK$160,231
+HK$8,023/mo
Deposit HK$28.46M · loan HK$28.46M · min. income ≈ HK$304,416/mo (50% DSR)
Upfront cash ≈ HK$30.88M (deposit + AVD stamp duty HK$2,419,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,765
−HK$9,768/mo
▼ 0.25% · 3.875%
HK$160,610
−HK$4,923/mo
Today · 4.125%
HK$165,533
baseline
▲ 0.50% · 4.625%
HK$175,605
+HK$10,072/mo
Deposit HK$22.77M · loan HK$34.16M · min. income ≈ HK$331,066/mo (50% DSR)
Upfront cash ≈ HK$25.19M (deposit + AVD stamp duty HK$2,419,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,287
−HK$9,362/mo
▼ 0.25% · 3.875%
HK$177,935
−HK$4,714/mo
Today · 4.125%
HK$182,649
baseline
▲ 0.50% · 4.625%
HK$192,277
+HK$9,628/mo
Deposit HK$22.77M · loan HK$34.16M · min. income ≈ HK$365,298/mo (50% DSR)
Upfront cash ≈ HK$25.19M (deposit + AVD stamp duty HK$2,419,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,726
−HK$11,396/mo
▼ 0.25% · 3.875%
HK$187,379
−HK$5,743/mo
Today · 4.125%
HK$193,122
baseline
▲ 0.50% · 4.625%
HK$204,873
+HK$11,751/mo
Deposit HK$17.08M · loan HK$39.85M · min. income ≈ HK$386,244/mo (50% DSR)
Upfront cash ≈ HK$19.50M (deposit + AVD stamp duty HK$2,419,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,168
−HK$10,923/mo
▼ 0.25% · 3.875%
HK$207,590
−HK$5,501/mo
Today · 4.125%
HK$213,091
baseline
▲ 0.50% · 4.625%
HK$224,323
+HK$11,232/mo
Deposit HK$17.08M · loan HK$39.85M · min. income ≈ HK$426,182/mo (50% DSR)
Upfront cash ≈ HK$19.50M (deposit + AVD stamp duty HK$2,419,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,648
−HK$14,651/mo
▼ 0.25% · 3.875%
HK$240,915
−HK$7,384/mo
Today · 4.125%
HK$248,299
baseline
▲ 0.50% · 4.625%
HK$263,408
+HK$15,109/mo
Deposit HK$5.69M · loan HK$51.23M · min. income ≈ HK$496,598/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$2,419,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,931
−HK$14,043/mo
▼ 0.25% · 3.875%
HK$266,902
−HK$7,072/mo
Today · 4.125%
HK$273,974
baseline
▲ 0.50% · 4.625%
HK$288,415
+HK$14,441/mo
Deposit HK$5.69M · loan HK$51.23M · min. income ≈ HK$547,948/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$2,419,324 · Scale 2, in force from 26 Feb 2026)