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$128,390
−HK$8,051/mo
▼ 0.25% · 3.875%
HK$132,383
−HK$4,058/mo
Today · 4.125%
HK$136,441
baseline
▲ 0.50% · 4.625%
HK$144,743
+HK$8,302/mo
Deposit HK$28.15M · loan HK$28.15M · min. income ≈ HK$272,882/mo (50% DSR)
Upfront cash ≈ HK$30.55M (deposit + AVD stamp duty HK$2,392,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,832
−HK$7,717/mo
▼ 0.25% · 3.875%
HK$146,663
−HK$3,886/mo
Today · 4.125%
HK$150,549
baseline
▲ 0.50% · 4.625%
HK$158,485
+HK$7,936/mo
Deposit HK$28.15M · loan HK$28.15M · min. income ≈ HK$301,098/mo (50% DSR)
Upfront cash ≈ HK$30.55M (deposit + AVD stamp duty HK$2,392,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,067
−HK$9,662/mo
▼ 0.25% · 3.875%
HK$158,860
−HK$4,869/mo
Today · 4.125%
HK$163,729
baseline
▲ 0.50% · 4.625%
HK$173,691
+HK$9,962/mo
Deposit HK$22.52M · loan HK$33.78M · min. income ≈ HK$327,458/mo (50% DSR)
Upfront cash ≈ HK$24.91M (deposit + AVD stamp duty HK$2,392,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,399
−HK$9,260/mo
▼ 0.25% · 3.875%
HK$175,995
−HK$4,664/mo
Today · 4.125%
HK$180,659
baseline
▲ 0.50% · 4.625%
HK$190,181
+HK$9,522/mo
Deposit HK$22.52M · loan HK$33.78M · min. income ≈ HK$361,318/mo (50% DSR)
Upfront cash ≈ HK$24.91M (deposit + AVD stamp duty HK$2,392,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,745
−HK$11,272/mo
▼ 0.25% · 3.875%
HK$185,337
−HK$5,680/mo
Today · 4.125%
HK$191,017
baseline
▲ 0.50% · 4.625%
HK$202,640
+HK$11,623/mo
Deposit HK$16.89M · loan HK$39.41M · min. income ≈ HK$382,034/mo (50% DSR)
Upfront cash ≈ HK$19.28M (deposit + AVD stamp duty HK$2,392,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,965
−HK$10,803/mo
▼ 0.25% · 3.875%
HK$205,328
−HK$5,440/mo
Today · 4.125%
HK$210,768
baseline
▲ 0.50% · 4.625%
HK$221,878
+HK$11,110/mo
Deposit HK$16.89M · loan HK$39.41M · min. income ≈ HK$421,536/mo (50% DSR)
Upfront cash ≈ HK$19.28M (deposit + AVD stamp duty HK$2,392,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,101
−HK$14,492/mo
▼ 0.25% · 3.875%
HK$238,290
−HK$7,303/mo
Today · 4.125%
HK$245,593
baseline
▲ 0.50% · 4.625%
HK$260,537
+HK$14,944/mo
Deposit HK$5.63M · loan HK$50.67M · min. income ≈ HK$491,186/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$2,392,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,098
−HK$13,890/mo
▼ 0.25% · 3.875%
HK$263,993
−HK$6,995/mo
Today · 4.125%
HK$270,988
baseline
▲ 0.50% · 4.625%
HK$285,272
+HK$14,284/mo
Deposit HK$5.63M · loan HK$50.67M · min. income ≈ HK$541,976/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$2,392,958 · Scale 2, in force from 26 Feb 2026)