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$128,786
−HK$8,076/mo
▼ 0.25% · 3.875%
HK$132,792
−HK$4,070/mo
Today · 4.125%
HK$136,862
baseline
▲ 0.50% · 4.625%
HK$145,190
+HK$8,328/mo
Deposit HK$28.24M · loan HK$28.24M · min. income ≈ HK$273,724/mo (50% DSR)
Upfront cash ≈ HK$30.64M (deposit + AVD stamp duty HK$2,400,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,273
−HK$7,741/mo
▼ 0.25% · 3.875%
HK$147,116
−HK$3,898/mo
Today · 4.125%
HK$151,014
baseline
▲ 0.50% · 4.625%
HK$158,974
+HK$7,960/mo
Deposit HK$28.24M · loan HK$28.24M · min. income ≈ HK$302,028/mo (50% DSR)
Upfront cash ≈ HK$30.64M (deposit + AVD stamp duty HK$2,400,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,543
−HK$9,692/mo
▼ 0.25% · 3.875%
HK$159,351
−HK$4,884/mo
Today · 4.125%
HK$164,235
baseline
▲ 0.50% · 4.625%
HK$174,228
+HK$9,993/mo
Deposit HK$22.59M · loan HK$33.89M · min. income ≈ HK$328,470/mo (50% DSR)
Upfront cash ≈ HK$24.99M (deposit + AVD stamp duty HK$2,400,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,928
−HK$9,289/mo
▼ 0.25% · 3.875%
HK$176,539
−HK$4,678/mo
Today · 4.125%
HK$181,217
baseline
▲ 0.50% · 4.625%
HK$190,769
+HK$9,552/mo
Deposit HK$22.59M · loan HK$33.89M · min. income ≈ HK$362,434/mo (50% DSR)
Upfront cash ≈ HK$24.99M (deposit + AVD stamp duty HK$2,400,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,301
−HK$11,306/mo
▼ 0.25% · 3.875%
HK$185,909
−HK$5,698/mo
Today · 4.125%
HK$191,607
baseline
▲ 0.50% · 4.625%
HK$203,266
+HK$11,659/mo
Deposit HK$16.94M · loan HK$39.54M · min. income ≈ HK$383,214/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$2,400,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,583
−HK$10,836/mo
▼ 0.25% · 3.875%
HK$205,962
−HK$5,457/mo
Today · 4.125%
HK$211,419
baseline
▲ 0.50% · 4.625%
HK$222,564
+HK$11,145/mo
Deposit HK$16.94M · loan HK$39.54M · min. income ≈ HK$422,838/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$2,400,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,815
−HK$14,537/mo
▼ 0.25% · 3.875%
HK$239,026
−HK$7,326/mo
Today · 4.125%
HK$246,352
baseline
▲ 0.50% · 4.625%
HK$261,342
+HK$14,990/mo
Deposit HK$5.65M · loan HK$50.83M · min. income ≈ HK$492,704/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$2,400,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,892
−HK$13,933/mo
▼ 0.25% · 3.875%
HK$264,808
−HK$7,017/mo
Today · 4.125%
HK$271,825
baseline
▲ 0.50% · 4.625%
HK$286,153
+HK$14,328/mo
Deposit HK$5.65M · loan HK$50.83M · min. income ≈ HK$543,650/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$2,400,349 · Scale 2, in force from 26 Feb 2026)