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$131,055
−HK$8,218/mo
▼ 0.25% · 3.875%
HK$135,131
−HK$4,142/mo
Today · 4.125%
HK$139,273
baseline
▲ 0.50% · 4.625%
HK$147,748
+HK$8,475/mo
Deposit HK$28.74M · loan HK$28.74M · min. income ≈ HK$278,546/mo (50% DSR)
Upfront cash ≈ HK$31.18M (deposit + AVD stamp duty HK$2,442,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,797
−HK$7,877/mo
▼ 0.25% · 3.875%
HK$149,707
−HK$3,967/mo
Today · 4.125%
HK$153,674
baseline
▲ 0.50% · 4.625%
HK$161,775
+HK$8,101/mo
Deposit HK$28.74M · loan HK$28.74M · min. income ≈ HK$307,348/mo (50% DSR)
Upfront cash ≈ HK$31.18M (deposit + AVD stamp duty HK$2,442,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,266
−HK$9,862/mo
▼ 0.25% · 3.875%
HK$162,158
−HK$4,970/mo
Today · 4.125%
HK$167,128
baseline
▲ 0.50% · 4.625%
HK$177,297
+HK$10,169/mo
Deposit HK$22.99M · loan HK$34.48M · min. income ≈ HK$334,256/mo (50% DSR)
Upfront cash ≈ HK$25.43M (deposit + AVD stamp duty HK$2,442,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,957
−HK$9,452/mo
▼ 0.25% · 3.875%
HK$179,649
−HK$4,760/mo
Today · 4.125%
HK$184,409
baseline
▲ 0.50% · 4.625%
HK$194,129
+HK$9,720/mo
Deposit HK$22.99M · loan HK$34.48M · min. income ≈ HK$368,818/mo (50% DSR)
Upfront cash ≈ HK$25.43M (deposit + AVD stamp duty HK$2,442,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,477
−HK$11,505/mo
▼ 0.25% · 3.875%
HK$189,184
−HK$5,798/mo
Today · 4.125%
HK$194,982
baseline
▲ 0.50% · 4.625%
HK$206,847
+HK$11,865/mo
Deposit HK$17.24M · loan HK$40.23M · min. income ≈ HK$389,964/mo (50% DSR)
Upfront cash ≈ HK$19.68M (deposit + AVD stamp duty HK$2,442,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,116
−HK$11,028/mo
▼ 0.25% · 3.875%
HK$209,590
−HK$5,554/mo
Today · 4.125%
HK$215,144
baseline
▲ 0.50% · 4.625%
HK$226,484
+HK$11,340/mo
Deposit HK$17.24M · loan HK$40.23M · min. income ≈ HK$430,288/mo (50% DSR)
Upfront cash ≈ HK$19.68M (deposit + AVD stamp duty HK$2,442,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,899
−HK$14,793/mo
▼ 0.25% · 3.875%
HK$243,236
−HK$7,456/mo
Today · 4.125%
HK$250,692
baseline
▲ 0.50% · 4.625%
HK$265,946
+HK$15,254/mo
Deposit HK$5.75M · loan HK$51.73M · min. income ≈ HK$501,384/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$2,442,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,435
−HK$14,178/mo
▼ 0.25% · 3.875%
HK$269,473
−HK$7,140/mo
Today · 4.125%
HK$276,613
baseline
▲ 0.50% · 4.625%
HK$291,194
+HK$14,581/mo
Deposit HK$5.75M · loan HK$51.73M · min. income ≈ HK$553,226/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$2,442,634 · Scale 2, in force from 26 Feb 2026)