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$127,730
−HK$8,010/mo
▼ 0.25% · 3.875%
HK$131,704
−HK$4,036/mo
Today · 4.125%
HK$135,740
baseline
▲ 0.50% · 4.625%
HK$144,000
+HK$8,260/mo
Deposit HK$28.01M · loan HK$28.01M · min. income ≈ HK$271,480/mo (50% DSR)
Upfront cash ≈ HK$30.39M (deposit + AVD stamp duty HK$2,380,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,099
−HK$7,677/mo
▼ 0.25% · 3.875%
HK$145,910
−HK$3,866/mo
Today · 4.125%
HK$149,776
baseline
▲ 0.50% · 4.625%
HK$157,671
+HK$7,895/mo
Deposit HK$28.01M · loan HK$28.01M · min. income ≈ HK$299,552/mo (50% DSR)
Upfront cash ≈ HK$30.39M (deposit + AVD stamp duty HK$2,380,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,277
−HK$9,611/mo
▼ 0.25% · 3.875%
HK$158,044
−HK$4,844/mo
Today · 4.125%
HK$162,888
baseline
▲ 0.50% · 4.625%
HK$172,800
+HK$9,912/mo
Deposit HK$22.41M · loan HK$33.61M · min. income ≈ HK$325,776/mo (50% DSR)
Upfront cash ≈ HK$24.79M (deposit + AVD stamp duty HK$2,380,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,519
−HK$9,212/mo
▼ 0.25% · 3.875%
HK$175,092
−HK$4,639/mo
Today · 4.125%
HK$179,731
baseline
▲ 0.50% · 4.625%
HK$189,205
+HK$9,474/mo
Deposit HK$22.41M · loan HK$33.61M · min. income ≈ HK$359,462/mo (50% DSR)
Upfront cash ≈ HK$24.79M (deposit + AVD stamp duty HK$2,380,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,823
−HK$11,213/mo
▼ 0.25% · 3.875%
HK$184,385
−HK$5,651/mo
Today · 4.125%
HK$190,036
baseline
▲ 0.50% · 4.625%
HK$201,600
+HK$11,564/mo
Deposit HK$16.80M · loan HK$39.21M · min. income ≈ HK$380,072/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$2,380,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,938
−HK$10,748/mo
▼ 0.25% · 3.875%
HK$204,274
−HK$5,412/mo
Today · 4.125%
HK$209,686
baseline
▲ 0.50% · 4.625%
HK$220,739
+HK$11,053/mo
Deposit HK$16.80M · loan HK$39.21M · min. income ≈ HK$419,372/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$2,380,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,915
−HK$14,418/mo
▼ 0.25% · 3.875%
HK$237,067
−HK$7,266/mo
Today · 4.125%
HK$244,333
baseline
▲ 0.50% · 4.625%
HK$259,200
+HK$14,867/mo
Deposit HK$5.60M · loan HK$50.41M · min. income ≈ HK$488,666/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$2,380,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,778
−HK$13,819/mo
▼ 0.25% · 3.875%
HK$262,638
−HK$6,959/mo
Today · 4.125%
HK$269,597
baseline
▲ 0.50% · 4.625%
HK$283,808
+HK$14,211/mo
Deposit HK$5.60M · loan HK$50.41M · min. income ≈ HK$539,194/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$2,380,674 · Scale 2, in force from 26 Feb 2026)