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$132,089
−HK$8,283/mo
▼ 0.25% · 3.875%
HK$136,197
−HK$4,175/mo
Today · 4.125%
HK$140,372
baseline
▲ 0.50% · 4.625%
HK$148,913
+HK$8,541/mo
Deposit HK$28.96M · loan HK$28.96M · min. income ≈ HK$280,744/mo (50% DSR)
Upfront cash ≈ HK$31.43M (deposit + AVD stamp duty HK$2,461,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,947
−HK$7,939/mo
▼ 0.25% · 3.875%
HK$150,888
−HK$3,998/mo
Today · 4.125%
HK$154,886
baseline
▲ 0.50% · 4.625%
HK$163,051
+HK$8,165/mo
Deposit HK$28.96M · loan HK$28.96M · min. income ≈ HK$309,772/mo (50% DSR)
Upfront cash ≈ HK$31.43M (deposit + AVD stamp duty HK$2,461,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,506
−HK$9,940/mo
▼ 0.25% · 3.875%
HK$163,437
−HK$5,009/mo
Today · 4.125%
HK$168,446
baseline
▲ 0.50% · 4.625%
HK$178,696
+HK$10,250/mo
Deposit HK$23.17M · loan HK$34.76M · min. income ≈ HK$336,892/mo (50% DSR)
Upfront cash ≈ HK$25.63M (deposit + AVD stamp duty HK$2,461,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,337
−HK$9,527/mo
▼ 0.25% · 3.875%
HK$181,066
−HK$4,798/mo
Today · 4.125%
HK$185,864
baseline
▲ 0.50% · 4.625%
HK$195,661
+HK$9,797/mo
Deposit HK$23.17M · loan HK$34.76M · min. income ≈ HK$371,728/mo (50% DSR)
Upfront cash ≈ HK$25.63M (deposit + AVD stamp duty HK$2,461,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,924
−HK$11,596/mo
▼ 0.25% · 3.875%
HK$190,676
−HK$5,844/mo
Today · 4.125%
HK$196,520
baseline
▲ 0.50% · 4.625%
HK$208,478
+HK$11,958/mo
Deposit HK$17.38M · loan HK$40.55M · min. income ≈ HK$393,040/mo (50% DSR)
Upfront cash ≈ HK$19.84M (deposit + AVD stamp duty HK$2,461,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,726
−HK$11,115/mo
▼ 0.25% · 3.875%
HK$211,244
−HK$5,597/mo
Today · 4.125%
HK$216,841
baseline
▲ 0.50% · 4.625%
HK$228,271
+HK$11,430/mo
Deposit HK$17.38M · loan HK$40.55M · min. income ≈ HK$433,682/mo (50% DSR)
Upfront cash ≈ HK$19.84M (deposit + AVD stamp duty HK$2,461,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,759
−HK$14,910/mo
▼ 0.25% · 3.875%
HK$245,155
−HK$7,514/mo
Today · 4.125%
HK$252,669
baseline
▲ 0.50% · 4.625%
HK$268,043
+HK$15,374/mo
Deposit HK$5.79M · loan HK$52.13M · min. income ≈ HK$505,338/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$2,461,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$264,505
−HK$14,290/mo
▼ 0.25% · 3.875%
HK$271,599
−HK$7,196/mo
Today · 4.125%
HK$278,795
baseline
▲ 0.50% · 4.625%
HK$293,491
+HK$14,696/mo
Deposit HK$5.79M · loan HK$52.13M · min. income ≈ HK$557,590/mo (50% DSR)
Upfront cash ≈ HK$8.25M (deposit + AVD stamp duty HK$2,461,901 · Scale 2, in force from 26 Feb 2026)