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$129,259
−HK$8,106/mo
▼ 0.25% · 3.875%
HK$133,280
−HK$4,085/mo
Today · 4.125%
HK$137,365
baseline
▲ 0.50% · 4.625%
HK$145,723
+HK$8,358/mo
Deposit HK$28.34M · loan HK$28.34M · min. income ≈ HK$274,730/mo (50% DSR)
Upfront cash ≈ HK$30.75M (deposit + AVD stamp duty HK$2,409,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,800
−HK$7,769/mo
▼ 0.25% · 3.875%
HK$147,656
−HK$3,913/mo
Today · 4.125%
HK$151,569
baseline
▲ 0.50% · 4.625%
HK$159,558
+HK$7,989/mo
Deposit HK$28.34M · loan HK$28.34M · min. income ≈ HK$303,138/mo (50% DSR)
Upfront cash ≈ HK$30.75M (deposit + AVD stamp duty HK$2,409,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,111
−HK$9,727/mo
▼ 0.25% · 3.875%
HK$159,936
−HK$4,902/mo
Today · 4.125%
HK$164,838
baseline
▲ 0.50% · 4.625%
HK$174,868
+HK$10,030/mo
Deposit HK$22.67M · loan HK$34.01M · min. income ≈ HK$329,676/mo (50% DSR)
Upfront cash ≈ HK$25.08M (deposit + AVD stamp duty HK$2,409,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,559
−HK$9,323/mo
▼ 0.25% · 3.875%
HK$177,187
−HK$4,695/mo
Today · 4.125%
HK$181,882
baseline
▲ 0.50% · 4.625%
HK$191,470
+HK$9,588/mo
Deposit HK$22.67M · loan HK$34.01M · min. income ≈ HK$363,764/mo (50% DSR)
Upfront cash ≈ HK$25.08M (deposit + AVD stamp duty HK$2,409,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,963
−HK$11,348/mo
▼ 0.25% · 3.875%
HK$186,592
−HK$5,719/mo
Today · 4.125%
HK$192,311
baseline
▲ 0.50% · 4.625%
HK$204,012
+HK$11,701/mo
Deposit HK$17.01M · loan HK$39.68M · min. income ≈ HK$384,622/mo (50% DSR)
Upfront cash ≈ HK$19.42M (deposit + AVD stamp duty HK$2,409,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,319
−HK$10,877/mo
▼ 0.25% · 3.875%
HK$206,719
−HK$5,477/mo
Today · 4.125%
HK$212,196
baseline
▲ 0.50% · 4.625%
HK$223,381
+HK$11,185/mo
Deposit HK$17.01M · loan HK$39.68M · min. income ≈ HK$424,392/mo (50% DSR)
Upfront cash ≈ HK$19.42M (deposit + AVD stamp duty HK$2,409,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,666
−HK$14,591/mo
▼ 0.25% · 3.875%
HK$239,904
−HK$7,353/mo
Today · 4.125%
HK$247,257
baseline
▲ 0.50% · 4.625%
HK$262,302
+HK$15,045/mo
Deposit HK$5.67M · loan HK$51.02M · min. income ≈ HK$494,514/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$2,409,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,839
−HK$13,984/mo
▼ 0.25% · 3.875%
HK$265,781
−HK$7,042/mo
Today · 4.125%
HK$272,823
baseline
▲ 0.50% · 4.625%
HK$287,204
+HK$14,381/mo
Deposit HK$5.67M · loan HK$51.02M · min. income ≈ HK$545,646/mo (50% DSR)
Upfront cash ≈ HK$8.08M (deposit + AVD stamp duty HK$2,409,165 · Scale 2, in force from 26 Feb 2026)