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$128,434
−HK$8,054/mo
▼ 0.25% · 3.875%
HK$132,429
−HK$4,059/mo
Today · 4.125%
HK$136,488
baseline
▲ 0.50% · 4.625%
HK$144,793
+HK$8,305/mo
Deposit HK$28.16M · loan HK$28.16M · min. income ≈ HK$272,976/mo (50% DSR)
Upfront cash ≈ HK$30.56M (deposit + AVD stamp duty HK$2,393,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,881
−HK$7,720/mo
▼ 0.25% · 3.875%
HK$146,713
−HK$3,888/mo
Today · 4.125%
HK$150,601
baseline
▲ 0.50% · 4.625%
HK$158,539
+HK$7,938/mo
Deposit HK$28.16M · loan HK$28.16M · min. income ≈ HK$301,202/mo (50% DSR)
Upfront cash ≈ HK$30.56M (deposit + AVD stamp duty HK$2,393,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,121
−HK$9,664/mo
▼ 0.25% · 3.875%
HK$158,915
−HK$4,870/mo
Today · 4.125%
HK$163,785
baseline
▲ 0.50% · 4.625%
HK$173,751
+HK$9,966/mo
Deposit HK$22.53M · loan HK$33.79M · min. income ≈ HK$327,570/mo (50% DSR)
Upfront cash ≈ HK$24.92M (deposit + AVD stamp duty HK$2,393,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,458
−HK$9,263/mo
▼ 0.25% · 3.875%
HK$176,056
−HK$4,665/mo
Today · 4.125%
HK$180,721
baseline
▲ 0.50% · 4.625%
HK$190,247
+HK$9,526/mo
Deposit HK$22.53M · loan HK$33.79M · min. income ≈ HK$361,442/mo (50% DSR)
Upfront cash ≈ HK$24.92M (deposit + AVD stamp duty HK$2,393,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,808
−HK$11,275/mo
▼ 0.25% · 3.875%
HK$185,401
−HK$5,682/mo
Today · 4.125%
HK$191,083
baseline
▲ 0.50% · 4.625%
HK$202,710
+HK$11,627/mo
Deposit HK$16.90M · loan HK$39.43M · min. income ≈ HK$382,166/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$2,393,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,034
−HK$10,807/mo
▼ 0.25% · 3.875%
HK$205,399
−HK$5,442/mo
Today · 4.125%
HK$210,841
baseline
▲ 0.50% · 4.625%
HK$221,955
+HK$11,114/mo
Deposit HK$16.90M · loan HK$39.43M · min. income ≈ HK$421,682/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$2,393,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,181
−HK$14,497/mo
▼ 0.25% · 3.875%
HK$238,372
−HK$7,306/mo
Today · 4.125%
HK$245,678
baseline
▲ 0.50% · 4.625%
HK$260,627
+HK$14,949/mo
Deposit HK$5.63M · loan HK$50.69M · min. income ≈ HK$491,356/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$2,393,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,187
−HK$13,895/mo
▼ 0.25% · 3.875%
HK$264,084
−HK$6,998/mo
Today · 4.125%
HK$271,082
baseline
▲ 0.50% · 4.625%
HK$285,371
+HK$14,289/mo
Deposit HK$5.63M · loan HK$50.69M · min. income ≈ HK$542,164/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$2,393,785 · Scale 2, in force from 26 Feb 2026)