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$129,898
−HK$8,145/mo
▼ 0.25% · 3.875%
HK$133,938
−HK$4,105/mo
Today · 4.125%
HK$138,043
baseline
▲ 0.50% · 4.625%
HK$146,443
+HK$8,400/mo
Deposit HK$28.48M · loan HK$28.48M · min. income ≈ HK$276,086/mo (50% DSR)
Upfront cash ≈ HK$30.90M (deposit + AVD stamp duty HK$2,421,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,510
−HK$7,807/mo
▼ 0.25% · 3.875%
HK$148,385
−HK$3,932/mo
Today · 4.125%
HK$152,317
baseline
▲ 0.50% · 4.625%
HK$160,346
+HK$8,029/mo
Deposit HK$28.48M · loan HK$28.48M · min. income ≈ HK$304,634/mo (50% DSR)
Upfront cash ≈ HK$30.90M (deposit + AVD stamp duty HK$2,421,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,877
−HK$9,775/mo
▼ 0.25% · 3.875%
HK$160,726
−HK$4,926/mo
Today · 4.125%
HK$165,652
baseline
▲ 0.50% · 4.625%
HK$175,731
+HK$10,079/mo
Deposit HK$22.79M · loan HK$34.18M · min. income ≈ HK$331,304/mo (50% DSR)
Upfront cash ≈ HK$25.21M (deposit + AVD stamp duty HK$2,421,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,412
−HK$9,369/mo
▼ 0.25% · 3.875%
HK$178,062
−HK$4,719/mo
Today · 4.125%
HK$182,781
baseline
▲ 0.50% · 4.625%
HK$192,415
+HK$9,634/mo
Deposit HK$22.79M · loan HK$34.18M · min. income ≈ HK$365,562/mo (50% DSR)
Upfront cash ≈ HK$25.21M (deposit + AVD stamp duty HK$2,421,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,857
−HK$11,404/mo
▼ 0.25% · 3.875%
HK$187,513
−HK$5,748/mo
Today · 4.125%
HK$193,261
baseline
▲ 0.50% · 4.625%
HK$205,020
+HK$11,759/mo
Deposit HK$17.09M · loan HK$39.88M · min. income ≈ HK$386,522/mo (50% DSR)
Upfront cash ≈ HK$19.51M (deposit + AVD stamp duty HK$2,421,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,314
−HK$10,930/mo
▼ 0.25% · 3.875%
HK$207,740
−HK$5,504/mo
Today · 4.125%
HK$213,244
baseline
▲ 0.50% · 4.625%
HK$224,484
+HK$11,240/mo
Deposit HK$17.09M · loan HK$39.88M · min. income ≈ HK$426,488/mo (50% DSR)
Upfront cash ≈ HK$19.51M (deposit + AVD stamp duty HK$2,421,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,816
−HK$14,662/mo
▼ 0.25% · 3.875%
HK$241,089
−HK$7,389/mo
Today · 4.125%
HK$248,478
baseline
▲ 0.50% · 4.625%
HK$263,597
+HK$15,119/mo
Deposit HK$5.70M · loan HK$51.27M · min. income ≈ HK$496,956/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$2,421,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,118
−HK$14,053/mo
▼ 0.25% · 3.875%
HK$267,094
−HK$7,077/mo
Today · 4.125%
HK$274,171
baseline
▲ 0.50% · 4.625%
HK$288,623
+HK$14,452/mo
Deposit HK$5.70M · loan HK$51.27M · min. income ≈ HK$548,342/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$2,421,064 · Scale 2, in force from 26 Feb 2026)