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$130,776
−HK$8,201/mo
▼ 0.25% · 3.875%
HK$134,844
−HK$4,133/mo
Today · 4.125%
HK$138,977
baseline
▲ 0.50% · 4.625%
HK$147,433
+HK$8,456/mo
Deposit HK$28.68M · loan HK$28.68M · min. income ≈ HK$277,954/mo (50% DSR)
Upfront cash ≈ HK$31.11M (deposit + AVD stamp duty HK$2,437,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,487
−HK$7,860/mo
▼ 0.25% · 3.875%
HK$149,389
−HK$3,958/mo
Today · 4.125%
HK$153,347
baseline
▲ 0.50% · 4.625%
HK$161,430
+HK$8,083/mo
Deposit HK$28.68M · loan HK$28.68M · min. income ≈ HK$306,694/mo (50% DSR)
Upfront cash ≈ HK$31.11M (deposit + AVD stamp duty HK$2,437,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,931
−HK$9,841/mo
▼ 0.25% · 3.875%
HK$161,813
−HK$4,959/mo
Today · 4.125%
HK$166,772
baseline
▲ 0.50% · 4.625%
HK$176,920
+HK$10,148/mo
Deposit HK$22.94M · loan HK$34.41M · min. income ≈ HK$333,544/mo (50% DSR)
Upfront cash ≈ HK$25.38M (deposit + AVD stamp duty HK$2,437,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,584
−HK$9,433/mo
▼ 0.25% · 3.875%
HK$179,267
−HK$4,750/mo
Today · 4.125%
HK$184,017
baseline
▲ 0.50% · 4.625%
HK$193,716
+HK$9,699/mo
Deposit HK$22.94M · loan HK$34.41M · min. income ≈ HK$368,034/mo (50% DSR)
Upfront cash ≈ HK$25.38M (deposit + AVD stamp duty HK$2,437,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,086
−HK$11,482/mo
▼ 0.25% · 3.875%
HK$188,781
−HK$5,787/mo
Today · 4.125%
HK$194,568
baseline
▲ 0.50% · 4.625%
HK$206,407
+HK$11,839/mo
Deposit HK$17.21M · loan HK$40.15M · min. income ≈ HK$389,136/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$2,437,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,682
−HK$11,004/mo
▼ 0.25% · 3.875%
HK$209,144
−HK$5,542/mo
Today · 4.125%
HK$214,686
baseline
▲ 0.50% · 4.625%
HK$226,002
+HK$11,316/mo
Deposit HK$17.21M · loan HK$40.15M · min. income ≈ HK$429,372/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$2,437,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,397
−HK$14,761/mo
▼ 0.25% · 3.875%
HK$242,719
−HK$7,439/mo
Today · 4.125%
HK$250,158
baseline
▲ 0.50% · 4.625%
HK$265,380
+HK$15,222/mo
Deposit HK$5.74M · loan HK$51.62M · min. income ≈ HK$500,316/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$2,437,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,877
−HK$14,148/mo
▼ 0.25% · 3.875%
HK$268,900
−HK$7,125/mo
Today · 4.125%
HK$276,025
baseline
▲ 0.50% · 4.625%
HK$290,575
+HK$14,550/mo
Deposit HK$5.74M · loan HK$51.62M · min. income ≈ HK$552,050/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$2,437,437 · Scale 2, in force from 26 Feb 2026)