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$126,675
−HK$7,944/mo
▼ 0.25% · 3.875%
HK$130,615
−HK$4,004/mo
Today · 4.125%
HK$134,619
baseline
▲ 0.50% · 4.625%
HK$142,810
+HK$8,191/mo
Deposit HK$27.78M · loan HK$27.78M · min. income ≈ HK$269,238/mo (50% DSR)
Upfront cash ≈ HK$30.14M (deposit + AVD stamp duty HK$2,361,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,925
−HK$7,613/mo
▼ 0.25% · 3.875%
HK$144,704
−HK$3,834/mo
Today · 4.125%
HK$148,538
baseline
▲ 0.50% · 4.625%
HK$156,368
+HK$7,830/mo
Deposit HK$27.78M · loan HK$27.78M · min. income ≈ HK$297,076/mo (50% DSR)
Upfront cash ≈ HK$30.14M (deposit + AVD stamp duty HK$2,361,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,010
−HK$9,532/mo
▼ 0.25% · 3.875%
HK$156,738
−HK$4,804/mo
Today · 4.125%
HK$161,542
baseline
▲ 0.50% · 4.625%
HK$171,372
+HK$9,830/mo
Deposit HK$22.22M · loan HK$33.33M · min. income ≈ HK$323,084/mo (50% DSR)
Upfront cash ≈ HK$24.58M (deposit + AVD stamp duty HK$2,361,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,110
−HK$9,136/mo
▼ 0.25% · 3.875%
HK$173,645
−HK$4,601/mo
Today · 4.125%
HK$178,246
baseline
▲ 0.50% · 4.625%
HK$187,642
+HK$9,396/mo
Deposit HK$22.22M · loan HK$33.33M · min. income ≈ HK$356,492/mo (50% DSR)
Upfront cash ≈ HK$24.58M (deposit + AVD stamp duty HK$2,361,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,345
−HK$11,121/mo
▼ 0.25% · 3.875%
HK$182,861
−HK$5,605/mo
Today · 4.125%
HK$188,466
baseline
▲ 0.50% · 4.625%
HK$199,934
+HK$11,468/mo
Deposit HK$16.67M · loan HK$38.89M · min. income ≈ HK$376,932/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$2,361,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,294
−HK$10,660/mo
▼ 0.25% · 3.875%
HK$202,586
−HK$5,368/mo
Today · 4.125%
HK$207,954
baseline
▲ 0.50% · 4.625%
HK$218,915
+HK$10,961/mo
Deposit HK$16.67M · loan HK$38.89M · min. income ≈ HK$415,908/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$2,361,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,015
−HK$14,298/mo
▼ 0.25% · 3.875%
HK$235,107
−HK$7,206/mo
Today · 4.125%
HK$242,313
baseline
▲ 0.50% · 4.625%
HK$257,058
+HK$14,745/mo
Deposit HK$5.56M · loan HK$50.00M · min. income ≈ HK$484,626/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$2,361,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,664
−HK$13,705/mo
▼ 0.25% · 3.875%
HK$260,467
−HK$6,902/mo
Today · 4.125%
HK$267,369
baseline
▲ 0.50% · 4.625%
HK$281,462
+HK$14,093/mo
Deposit HK$5.56M · loan HK$50.00M · min. income ≈ HK$534,738/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$2,361,000 · Scale 2, in force from 26 Feb 2026)