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$129,713
−HK$8,134/mo
▼ 0.25% · 3.875%
HK$133,748
−HK$4,099/mo
Today · 4.125%
HK$137,847
baseline
▲ 0.50% · 4.625%
HK$146,235
+HK$8,388/mo
Deposit HK$28.44M · loan HK$28.44M · min. income ≈ HK$275,694/mo (50% DSR)
Upfront cash ≈ HK$30.86M (deposit + AVD stamp duty HK$2,417,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,304
−HK$7,797/mo
▼ 0.25% · 3.875%
HK$148,175
−HK$3,926/mo
Today · 4.125%
HK$152,101
baseline
▲ 0.50% · 4.625%
HK$160,118
+HK$8,017/mo
Deposit HK$28.44M · loan HK$28.44M · min. income ≈ HK$304,202/mo (50% DSR)
Upfront cash ≈ HK$30.86M (deposit + AVD stamp duty HK$2,417,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,656
−HK$9,761/mo
▼ 0.25% · 3.875%
HK$160,497
−HK$4,920/mo
Today · 4.125%
HK$165,417
baseline
▲ 0.50% · 4.625%
HK$175,482
+HK$10,065/mo
Deposit HK$22.75M · loan HK$34.13M · min. income ≈ HK$330,834/mo (50% DSR)
Upfront cash ≈ HK$25.17M (deposit + AVD stamp duty HK$2,417,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,165
−HK$9,356/mo
▼ 0.25% · 3.875%
HK$177,810
−HK$4,711/mo
Today · 4.125%
HK$182,521
baseline
▲ 0.50% · 4.625%
HK$192,142
+HK$9,621/mo
Deposit HK$22.75M · loan HK$34.13M · min. income ≈ HK$365,042/mo (50% DSR)
Upfront cash ≈ HK$25.17M (deposit + AVD stamp duty HK$2,417,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,598
−HK$11,388/mo
▼ 0.25% · 3.875%
HK$187,247
−HK$5,739/mo
Today · 4.125%
HK$192,986
baseline
▲ 0.50% · 4.625%
HK$204,729
+HK$11,743/mo
Deposit HK$17.07M · loan HK$39.82M · min. income ≈ HK$385,972/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$2,417,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,026
−HK$10,915/mo
▼ 0.25% · 3.875%
HK$207,444
−HK$5,497/mo
Today · 4.125%
HK$212,941
baseline
▲ 0.50% · 4.625%
HK$224,166
+HK$11,225/mo
Deposit HK$17.07M · loan HK$39.82M · min. income ≈ HK$425,882/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$2,417,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,483
−HK$14,642/mo
▼ 0.25% · 3.875%
HK$240,746
−HK$7,379/mo
Today · 4.125%
HK$248,125
baseline
▲ 0.50% · 4.625%
HK$263,223
+HK$15,098/mo
Deposit HK$5.69M · loan HK$51.20M · min. income ≈ HK$496,250/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$2,417,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,748
−HK$14,033/mo
▼ 0.25% · 3.875%
HK$266,714
−HK$7,067/mo
Today · 4.125%
HK$273,781
baseline
▲ 0.50% · 4.625%
HK$288,213
+HK$14,432/mo
Deposit HK$5.69M · loan HK$51.20M · min. income ≈ HK$547,562/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$2,417,625 · Scale 2, in force from 26 Feb 2026)