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$131,132
−HK$8,223/mo
▼ 0.25% · 3.875%
HK$135,211
−HK$4,144/mo
Today · 4.125%
HK$139,355
baseline
▲ 0.50% · 4.625%
HK$147,835
+HK$8,480/mo
Deposit HK$28.75M · loan HK$28.75M · min. income ≈ HK$278,710/mo (50% DSR)
Upfront cash ≈ HK$31.20M (deposit + AVD stamp duty HK$2,444,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,883
−HK$7,882/mo
▼ 0.25% · 3.875%
HK$149,796
−HK$3,969/mo
Today · 4.125%
HK$153,765
baseline
▲ 0.50% · 4.625%
HK$161,870
+HK$8,105/mo
Deposit HK$28.75M · loan HK$28.75M · min. income ≈ HK$307,530/mo (50% DSR)
Upfront cash ≈ HK$31.20M (deposit + AVD stamp duty HK$2,444,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,359
−HK$9,868/mo
▼ 0.25% · 3.875%
HK$162,254
−HK$4,973/mo
Today · 4.125%
HK$167,227
baseline
▲ 0.50% · 4.625%
HK$177,402
+HK$10,175/mo
Deposit HK$23.00M · loan HK$34.50M · min. income ≈ HK$334,454/mo (50% DSR)
Upfront cash ≈ HK$25.45M (deposit + AVD stamp duty HK$2,444,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,060
−HK$9,458/mo
▼ 0.25% · 3.875%
HK$179,755
−HK$4,763/mo
Today · 4.125%
HK$184,518
baseline
▲ 0.50% · 4.625%
HK$194,244
+HK$9,726/mo
Deposit HK$23.00M · loan HK$34.50M · min. income ≈ HK$369,036/mo (50% DSR)
Upfront cash ≈ HK$25.45M (deposit + AVD stamp duty HK$2,444,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,585
−HK$11,513/mo
▼ 0.25% · 3.875%
HK$189,296
−HK$5,802/mo
Today · 4.125%
HK$195,098
baseline
▲ 0.50% · 4.625%
HK$206,969
+HK$11,871/mo
Deposit HK$17.25M · loan HK$40.26M · min. income ≈ HK$390,196/mo (50% DSR)
Upfront cash ≈ HK$19.70M (deposit + AVD stamp duty HK$2,444,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,237
−HK$11,034/mo
▼ 0.25% · 3.875%
HK$209,714
−HK$5,557/mo
Today · 4.125%
HK$215,271
baseline
▲ 0.50% · 4.625%
HK$226,618
+HK$11,347/mo
Deposit HK$17.25M · loan HK$40.26M · min. income ≈ HK$430,542/mo (50% DSR)
Upfront cash ≈ HK$19.70M (deposit + AVD stamp duty HK$2,444,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,038
−HK$14,802/mo
▼ 0.25% · 3.875%
HK$243,380
−HK$7,460/mo
Today · 4.125%
HK$250,840
baseline
▲ 0.50% · 4.625%
HK$266,103
+HK$15,263/mo
Deposit HK$5.75M · loan HK$51.76M · min. income ≈ HK$501,680/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$2,444,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,590
−HK$14,187/mo
▼ 0.25% · 3.875%
HK$269,633
−HK$7,144/mo
Today · 4.125%
HK$276,777
baseline
▲ 0.50% · 4.625%
HK$291,366
+HK$14,589/mo
Deposit HK$5.75M · loan HK$51.76M · min. income ≈ HK$553,554/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$2,444,078 · Scale 2, in force from 26 Feb 2026)