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$128,041
−HK$8,029/mo
▼ 0.25% · 3.875%
HK$132,023
−HK$4,047/mo
Today · 4.125%
HK$136,070
baseline
▲ 0.50% · 4.625%
HK$144,349
+HK$8,279/mo
Deposit HK$28.08M · loan HK$28.08M · min. income ≈ HK$272,140/mo (50% DSR)
Upfront cash ≈ HK$30.46M (deposit + AVD stamp duty HK$2,386,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,444
−HK$7,696/mo
▼ 0.25% · 3.875%
HK$146,264
−HK$3,876/mo
Today · 4.125%
HK$150,140
baseline
▲ 0.50% · 4.625%
HK$158,054
+HK$7,914/mo
Deposit HK$28.08M · loan HK$28.08M · min. income ≈ HK$300,280/mo (50% DSR)
Upfront cash ≈ HK$30.46M (deposit + AVD stamp duty HK$2,386,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,649
−HK$9,635/mo
▼ 0.25% · 3.875%
HK$158,428
−HK$4,856/mo
Today · 4.125%
HK$163,284
baseline
▲ 0.50% · 4.625%
HK$173,219
+HK$9,935/mo
Deposit HK$22.46M · loan HK$33.69M · min. income ≈ HK$326,568/mo (50% DSR)
Upfront cash ≈ HK$24.85M (deposit + AVD stamp duty HK$2,386,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,933
−HK$9,235/mo
▼ 0.25% · 3.875%
HK$175,517
−HK$4,651/mo
Today · 4.125%
HK$180,168
baseline
▲ 0.50% · 4.625%
HK$189,664
+HK$9,496/mo
Deposit HK$22.46M · loan HK$33.69M · min. income ≈ HK$360,336/mo (50% DSR)
Upfront cash ≈ HK$24.85M (deposit + AVD stamp duty HK$2,386,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,257
−HK$11,241/mo
▼ 0.25% · 3.875%
HK$184,833
−HK$5,665/mo
Today · 4.125%
HK$190,498
baseline
▲ 0.50% · 4.625%
HK$202,089
+HK$11,591/mo
Deposit HK$16.85M · loan HK$39.31M · min. income ≈ HK$380,996/mo (50% DSR)
Upfront cash ≈ HK$19.23M (deposit + AVD stamp duty HK$2,386,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,421
−HK$10,775/mo
▼ 0.25% · 3.875%
HK$204,770
−HK$5,426/mo
Today · 4.125%
HK$210,196
baseline
▲ 0.50% · 4.625%
HK$221,275
+HK$11,079/mo
Deposit HK$16.85M · loan HK$39.31M · min. income ≈ HK$420,392/mo (50% DSR)
Upfront cash ≈ HK$19.23M (deposit + AVD stamp duty HK$2,386,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,473
−HK$14,453/mo
▼ 0.25% · 3.875%
HK$237,642
−HK$7,284/mo
Today · 4.125%
HK$244,926
baseline
▲ 0.50% · 4.625%
HK$259,829
+HK$14,903/mo
Deposit HK$5.62M · loan HK$50.54M · min. income ≈ HK$489,852/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$2,386,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,399
−HK$13,852/mo
▼ 0.25% · 3.875%
HK$263,275
−HK$6,976/mo
Today · 4.125%
HK$270,251
baseline
▲ 0.50% · 4.625%
HK$284,497
+HK$14,246/mo
Deposit HK$5.62M · loan HK$50.54M · min. income ≈ HK$540,502/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$2,386,453 · Scale 2, in force from 26 Feb 2026)