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$128,783
−HK$8,076/mo
▼ 0.25% · 3.875%
HK$132,789
−HK$4,070/mo
Today · 4.125%
HK$136,859
baseline
▲ 0.50% · 4.625%
HK$145,187
+HK$8,328/mo
Deposit HK$28.24M · loan HK$28.24M · min. income ≈ HK$273,718/mo (50% DSR)
Upfront cash ≈ HK$30.64M (deposit + AVD stamp duty HK$2,400,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,270
−HK$7,741/mo
▼ 0.25% · 3.875%
HK$147,113
−HK$3,898/mo
Today · 4.125%
HK$151,011
baseline
▲ 0.50% · 4.625%
HK$158,971
+HK$7,960/mo
Deposit HK$28.24M · loan HK$28.24M · min. income ≈ HK$302,022/mo (50% DSR)
Upfront cash ≈ HK$30.64M (deposit + AVD stamp duty HK$2,400,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,540
−HK$9,691/mo
▼ 0.25% · 3.875%
HK$159,347
−HK$4,884/mo
Today · 4.125%
HK$164,231
baseline
▲ 0.50% · 4.625%
HK$174,224
+HK$9,993/mo
Deposit HK$22.59M · loan HK$33.89M · min. income ≈ HK$328,462/mo (50% DSR)
Upfront cash ≈ HK$24.99M (deposit + AVD stamp duty HK$2,400,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,924
−HK$9,289/mo
▼ 0.25% · 3.875%
HK$176,535
−HK$4,678/mo
Today · 4.125%
HK$181,213
baseline
▲ 0.50% · 4.625%
HK$190,765
+HK$9,552/mo
Deposit HK$22.59M · loan HK$33.89M · min. income ≈ HK$362,426/mo (50% DSR)
Upfront cash ≈ HK$24.99M (deposit + AVD stamp duty HK$2,400,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,297
−HK$11,306/mo
▼ 0.25% · 3.875%
HK$185,905
−HK$5,698/mo
Today · 4.125%
HK$191,603
baseline
▲ 0.50% · 4.625%
HK$203,262
+HK$11,659/mo
Deposit HK$16.94M · loan HK$39.53M · min. income ≈ HK$383,206/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$2,400,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,578
−HK$10,837/mo
▼ 0.25% · 3.875%
HK$205,958
−HK$5,457/mo
Today · 4.125%
HK$211,415
baseline
▲ 0.50% · 4.625%
HK$222,559
+HK$11,144/mo
Deposit HK$16.94M · loan HK$39.53M · min. income ≈ HK$422,830/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$2,400,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,810
−HK$14,537/mo
▼ 0.25% · 3.875%
HK$239,021
−HK$7,326/mo
Today · 4.125%
HK$246,347
baseline
▲ 0.50% · 4.625%
HK$261,336
+HK$14,989/mo
Deposit HK$5.65M · loan HK$50.83M · min. income ≈ HK$492,694/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$2,400,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,886
−HK$13,933/mo
▼ 0.25% · 3.875%
HK$264,803
−HK$7,016/mo
Today · 4.125%
HK$271,819
baseline
▲ 0.50% · 4.625%
HK$286,147
+HK$14,328/mo
Deposit HK$5.65M · loan HK$50.83M · min. income ≈ HK$543,638/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$2,400,299 · Scale 2, in force from 26 Feb 2026)