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$130,590
−HK$8,189/mo
▼ 0.25% · 3.875%
HK$134,652
−HK$4,127/mo
Today · 4.125%
HK$138,779
baseline
▲ 0.50% · 4.625%
HK$147,223
+HK$8,444/mo
Deposit HK$28.63M · loan HK$28.63M · min. income ≈ HK$277,558/mo (50% DSR)
Upfront cash ≈ HK$31.07M (deposit + AVD stamp duty HK$2,433,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,280
−HK$7,849/mo
▼ 0.25% · 3.875%
HK$149,176
−HK$3,953/mo
Today · 4.125%
HK$153,129
baseline
▲ 0.50% · 4.625%
HK$161,201
+HK$8,072/mo
Deposit HK$28.63M · loan HK$28.63M · min. income ≈ HK$306,258/mo (50% DSR)
Upfront cash ≈ HK$31.07M (deposit + AVD stamp duty HK$2,433,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,708
−HK$9,827/mo
▼ 0.25% · 3.875%
HK$161,582
−HK$4,953/mo
Today · 4.125%
HK$166,535
baseline
▲ 0.50% · 4.625%
HK$176,668
+HK$10,133/mo
Deposit HK$22.91M · loan HK$34.36M · min. income ≈ HK$333,070/mo (50% DSR)
Upfront cash ≈ HK$25.34M (deposit + AVD stamp duty HK$2,433,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,336
−HK$9,419/mo
▼ 0.25% · 3.875%
HK$179,011
−HK$4,744/mo
Today · 4.125%
HK$183,755
baseline
▲ 0.50% · 4.625%
HK$193,441
+HK$9,686/mo
Deposit HK$22.91M · loan HK$34.36M · min. income ≈ HK$367,510/mo (50% DSR)
Upfront cash ≈ HK$25.34M (deposit + AVD stamp duty HK$2,433,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,826
−HK$11,465/mo
▼ 0.25% · 3.875%
HK$188,513
−HK$5,778/mo
Today · 4.125%
HK$194,291
baseline
▲ 0.50% · 4.625%
HK$206,113
+HK$11,822/mo
Deposit HK$17.18M · loan HK$40.09M · min. income ≈ HK$388,582/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$2,433,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,392
−HK$10,988/mo
▼ 0.25% · 3.875%
HK$208,847
−HK$5,533/mo
Today · 4.125%
HK$214,380
baseline
▲ 0.50% · 4.625%
HK$225,681
+HK$11,301/mo
Deposit HK$17.18M · loan HK$40.09M · min. income ≈ HK$428,760/mo (50% DSR)
Upfront cash ≈ HK$19.61M (deposit + AVD stamp duty HK$2,433,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,062
−HK$14,740/mo
▼ 0.25% · 3.875%
HK$242,373
−HK$7,429/mo
Today · 4.125%
HK$249,802
baseline
▲ 0.50% · 4.625%
HK$265,002
+HK$15,200/mo
Deposit HK$5.73M · loan HK$51.54M · min. income ≈ HK$499,604/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$2,433,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$261,504
−HK$14,128/mo
▼ 0.25% · 3.875%
HK$268,517
−HK$7,115/mo
Today · 4.125%
HK$275,632
baseline
▲ 0.50% · 4.625%
HK$290,161
+HK$14,529/mo
Deposit HK$5.73M · loan HK$51.54M · min. income ≈ HK$551,264/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$2,433,967 · Scale 2, in force from 26 Feb 2026)