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$127,603
−HK$8,002/mo
▼ 0.25% · 3.875%
HK$131,572
−HK$4,033/mo
Today · 4.125%
HK$135,605
baseline
▲ 0.50% · 4.625%
HK$143,856
+HK$8,251/mo
Deposit HK$27.98M · loan HK$27.98M · min. income ≈ HK$271,210/mo (50% DSR)
Upfront cash ≈ HK$30.36M (deposit + AVD stamp duty HK$2,378,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,957
−HK$7,670/mo
▼ 0.25% · 3.875%
HK$145,764
−HK$3,863/mo
Today · 4.125%
HK$149,627
baseline
▲ 0.50% · 4.625%
HK$157,514
+HK$7,887/mo
Deposit HK$27.98M · loan HK$27.98M · min. income ≈ HK$299,254/mo (50% DSR)
Upfront cash ≈ HK$30.36M (deposit + AVD stamp duty HK$2,378,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,124
−HK$9,602/mo
▼ 0.25% · 3.875%
HK$157,887
−HK$4,839/mo
Today · 4.125%
HK$162,726
baseline
▲ 0.50% · 4.625%
HK$172,627
+HK$9,901/mo
Deposit HK$22.38M · loan HK$33.58M · min. income ≈ HK$325,452/mo (50% DSR)
Upfront cash ≈ HK$24.76M (deposit + AVD stamp duty HK$2,378,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,349
−HK$9,203/mo
▼ 0.25% · 3.875%
HK$174,917
−HK$4,635/mo
Today · 4.125%
HK$179,552
baseline
▲ 0.50% · 4.625%
HK$189,016
+HK$9,464/mo
Deposit HK$22.38M · loan HK$33.58M · min. income ≈ HK$359,104/mo (50% DSR)
Upfront cash ≈ HK$24.76M (deposit + AVD stamp duty HK$2,378,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,644
−HK$11,203/mo
▼ 0.25% · 3.875%
HK$184,201
−HK$5,646/mo
Today · 4.125%
HK$189,847
baseline
▲ 0.50% · 4.625%
HK$201,399
+HK$11,552/mo
Deposit HK$16.79M · loan HK$39.17M · min. income ≈ HK$379,694/mo (50% DSR)
Upfront cash ≈ HK$19.17M (deposit + AVD stamp duty HK$2,378,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,740
−HK$10,737/mo
▼ 0.25% · 3.875%
HK$204,070
−HK$5,407/mo
Today · 4.125%
HK$209,477
baseline
▲ 0.50% · 4.625%
HK$220,519
+HK$11,042/mo
Deposit HK$16.79M · loan HK$39.17M · min. income ≈ HK$418,954/mo (50% DSR)
Upfront cash ≈ HK$19.17M (deposit + AVD stamp duty HK$2,378,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,685
−HK$14,404/mo
▼ 0.25% · 3.875%
HK$236,830
−HK$7,259/mo
Today · 4.125%
HK$244,089
baseline
▲ 0.50% · 4.625%
HK$258,941
+HK$14,852/mo
Deposit HK$5.60M · loan HK$50.36M · min. income ≈ HK$488,178/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$2,378,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,523
−HK$13,805/mo
▼ 0.25% · 3.875%
HK$262,376
−HK$6,952/mo
Today · 4.125%
HK$269,328
baseline
▲ 0.50% · 4.625%
HK$283,525
+HK$14,197/mo
Deposit HK$5.60M · loan HK$50.36M · min. income ≈ HK$538,656/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$2,378,299 · Scale 2, in force from 26 Feb 2026)