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$131,326
−HK$8,236/mo
▼ 0.25% · 3.875%
HK$135,411
−HK$4,151/mo
Today · 4.125%
HK$139,562
baseline
▲ 0.50% · 4.625%
HK$148,054
+HK$8,492/mo
Deposit HK$28.80M · loan HK$28.80M · min. income ≈ HK$279,124/mo (50% DSR)
Upfront cash ≈ HK$31.24M (deposit + AVD stamp duty HK$2,447,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,099
−HK$7,893/mo
▼ 0.25% · 3.875%
HK$150,017
−HK$3,975/mo
Today · 4.125%
HK$153,992
baseline
▲ 0.50% · 4.625%
HK$162,110
+HK$8,118/mo
Deposit HK$28.80M · loan HK$28.80M · min. income ≈ HK$307,984/mo (50% DSR)
Upfront cash ≈ HK$31.24M (deposit + AVD stamp duty HK$2,447,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,591
−HK$9,883/mo
▼ 0.25% · 3.875%
HK$162,493
−HK$4,981/mo
Today · 4.125%
HK$167,474
baseline
▲ 0.50% · 4.625%
HK$177,664
+HK$10,190/mo
Deposit HK$23.04M · loan HK$34.56M · min. income ≈ HK$334,948/mo (50% DSR)
Upfront cash ≈ HK$25.48M (deposit + AVD stamp duty HK$2,447,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,319
−HK$9,472/mo
▼ 0.25% · 3.875%
HK$180,021
−HK$4,770/mo
Today · 4.125%
HK$184,791
baseline
▲ 0.50% · 4.625%
HK$194,531
+HK$9,740/mo
Deposit HK$23.04M · loan HK$34.56M · min. income ≈ HK$369,582/mo (50% DSR)
Upfront cash ≈ HK$25.48M (deposit + AVD stamp duty HK$2,447,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,857
−HK$11,529/mo
▼ 0.25% · 3.875%
HK$189,576
−HK$5,810/mo
Today · 4.125%
HK$195,386
baseline
▲ 0.50% · 4.625%
HK$207,275
+HK$11,889/mo
Deposit HK$17.28M · loan HK$40.31M · min. income ≈ HK$390,772/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$2,447,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,539
−HK$11,050/mo
▼ 0.25% · 3.875%
HK$210,024
−HK$5,565/mo
Today · 4.125%
HK$215,589
baseline
▲ 0.50% · 4.625%
HK$226,953
+HK$11,364/mo
Deposit HK$17.28M · loan HK$40.31M · min. income ≈ HK$431,178/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$2,447,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,387
−HK$14,824/mo
▼ 0.25% · 3.875%
HK$243,740
−HK$7,471/mo
Today · 4.125%
HK$251,211
baseline
▲ 0.50% · 4.625%
HK$266,496
+HK$15,285/mo
Deposit HK$5.76M · loan HK$51.83M · min. income ≈ HK$502,422/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$2,447,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,978
−HK$14,208/mo
▼ 0.25% · 3.875%
HK$270,031
−HK$7,155/mo
Today · 4.125%
HK$277,186
baseline
▲ 0.50% · 4.625%
HK$291,797
+HK$14,611/mo
Deposit HK$5.76M · loan HK$51.83M · min. income ≈ HK$554,372/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$2,447,692 · Scale 2, in force from 26 Feb 2026)