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$129,950
−HK$8,149/mo
▼ 0.25% · 3.875%
HK$133,992
−HK$4,107/mo
Today · 4.125%
HK$138,099
baseline
▲ 0.50% · 4.625%
HK$146,502
+HK$8,403/mo
Deposit HK$28.49M · loan HK$28.49M · min. income ≈ HK$276,198/mo (50% DSR)
Upfront cash ≈ HK$30.92M (deposit + AVD stamp duty HK$2,422,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,568
−HK$7,810/mo
▼ 0.25% · 3.875%
HK$148,445
−HK$3,933/mo
Today · 4.125%
HK$152,378
baseline
▲ 0.50% · 4.625%
HK$160,410
+HK$8,032/mo
Deposit HK$28.49M · loan HK$28.49M · min. income ≈ HK$304,756/mo (50% DSR)
Upfront cash ≈ HK$30.92M (deposit + AVD stamp duty HK$2,422,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,940
−HK$9,779/mo
▼ 0.25% · 3.875%
HK$160,790
−HK$4,929/mo
Today · 4.125%
HK$165,719
baseline
▲ 0.50% · 4.625%
HK$175,802
+HK$10,083/mo
Deposit HK$22.80M · loan HK$34.19M · min. income ≈ HK$331,438/mo (50% DSR)
Upfront cash ≈ HK$25.22M (deposit + AVD stamp duty HK$2,422,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,481
−HK$9,373/mo
▼ 0.25% · 3.875%
HK$178,134
−HK$4,720/mo
Today · 4.125%
HK$182,854
baseline
▲ 0.50% · 4.625%
HK$192,493
+HK$9,639/mo
Deposit HK$22.80M · loan HK$34.19M · min. income ≈ HK$365,708/mo (50% DSR)
Upfront cash ≈ HK$25.22M (deposit + AVD stamp duty HK$2,422,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,930
−HK$11,408/mo
▼ 0.25% · 3.875%
HK$187,589
−HK$5,749/mo
Today · 4.125%
HK$193,338
baseline
▲ 0.50% · 4.625%
HK$205,103
+HK$11,765/mo
Deposit HK$17.10M · loan HK$39.89M · min. income ≈ HK$386,676/mo (50% DSR)
Upfront cash ≈ HK$19.52M (deposit + AVD stamp duty HK$2,422,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,395
−HK$10,935/mo
▼ 0.25% · 3.875%
HK$207,823
−HK$5,507/mo
Today · 4.125%
HK$213,330
baseline
▲ 0.50% · 4.625%
HK$224,575
+HK$11,245/mo
Deposit HK$17.10M · loan HK$39.89M · min. income ≈ HK$426,660/mo (50% DSR)
Upfront cash ≈ HK$19.52M (deposit + AVD stamp duty HK$2,422,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,910
−HK$14,668/mo
▼ 0.25% · 3.875%
HK$241,186
−HK$7,392/mo
Today · 4.125%
HK$248,578
baseline
▲ 0.50% · 4.625%
HK$263,703
+HK$15,125/mo
Deposit HK$5.70M · loan HK$51.29M · min. income ≈ HK$497,156/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$2,422,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,222
−HK$14,059/mo
▼ 0.25% · 3.875%
HK$267,201
−HK$7,080/mo
Today · 4.125%
HK$274,281
baseline
▲ 0.50% · 4.625%
HK$288,739
+HK$14,458/mo
Deposit HK$5.70M · loan HK$51.29M · min. income ≈ HK$548,562/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$2,422,038 · Scale 2, in force from 26 Feb 2026)