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$126,686
−HK$7,945/mo
▼ 0.25% · 3.875%
HK$130,627
−HK$4,004/mo
Today · 4.125%
HK$134,631
baseline
▲ 0.50% · 4.625%
HK$142,823
+HK$8,192/mo
Deposit HK$27.78M · loan HK$27.78M · min. income ≈ HK$269,262/mo (50% DSR)
Upfront cash ≈ HK$30.14M (deposit + AVD stamp duty HK$2,361,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,937
−HK$7,615/mo
▼ 0.25% · 3.875%
HK$144,717
−HK$3,835/mo
Today · 4.125%
HK$148,552
baseline
▲ 0.50% · 4.625%
HK$156,382
+HK$7,830/mo
Deposit HK$27.78M · loan HK$27.78M · min. income ≈ HK$297,104/mo (50% DSR)
Upfront cash ≈ HK$30.14M (deposit + AVD stamp duty HK$2,361,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,024
−HK$9,533/mo
▼ 0.25% · 3.875%
HK$156,752
−HK$4,805/mo
Today · 4.125%
HK$161,557
baseline
▲ 0.50% · 4.625%
HK$171,387
+HK$9,830/mo
Deposit HK$22.22M · loan HK$33.33M · min. income ≈ HK$323,114/mo (50% DSR)
Upfront cash ≈ HK$24.58M (deposit + AVD stamp duty HK$2,361,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,125
−HK$9,137/mo
▼ 0.25% · 3.875%
HK$173,660
−HK$4,602/mo
Today · 4.125%
HK$178,262
baseline
▲ 0.50% · 4.625%
HK$187,658
+HK$9,396/mo
Deposit HK$22.22M · loan HK$33.33M · min. income ≈ HK$356,524/mo (50% DSR)
Upfront cash ≈ HK$24.58M (deposit + AVD stamp duty HK$2,361,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,361
−HK$11,122/mo
▼ 0.25% · 3.875%
HK$182,878
−HK$5,605/mo
Today · 4.125%
HK$188,483
baseline
▲ 0.50% · 4.625%
HK$199,952
+HK$11,469/mo
Deposit HK$16.67M · loan HK$38.89M · min. income ≈ HK$376,966/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$2,361,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,312
−HK$10,660/mo
▼ 0.25% · 3.875%
HK$202,604
−HK$5,368/mo
Today · 4.125%
HK$207,972
baseline
▲ 0.50% · 4.625%
HK$218,935
+HK$10,963/mo
Deposit HK$16.67M · loan HK$38.89M · min. income ≈ HK$415,944/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$2,361,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,035
−HK$14,300/mo
▼ 0.25% · 3.875%
HK$235,128
−HK$7,207/mo
Today · 4.125%
HK$242,335
baseline
▲ 0.50% · 4.625%
HK$257,081
+HK$14,746/mo
Deposit HK$5.56M · loan HK$50.00M · min. income ≈ HK$484,670/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$2,361,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,687
−HK$13,706/mo
▼ 0.25% · 3.875%
HK$260,491
−HK$6,902/mo
Today · 4.125%
HK$267,393
baseline
▲ 0.50% · 4.625%
HK$281,488
+HK$14,095/mo
Deposit HK$5.56M · loan HK$50.00M · min. income ≈ HK$534,786/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$2,361,211 · Scale 2, in force from 26 Feb 2026)