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$128,654
−HK$8,068/mo
▼ 0.25% · 3.875%
HK$132,656
−HK$4,066/mo
Today · 4.125%
HK$136,722
baseline
▲ 0.50% · 4.625%
HK$145,041
+HK$8,319/mo
Deposit HK$28.21M · loan HK$28.21M · min. income ≈ HK$273,444/mo (50% DSR)
Upfront cash ≈ HK$30.61M (deposit + AVD stamp duty HK$2,397,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,126
−HK$7,733/mo
▼ 0.25% · 3.875%
HK$146,965
−HK$3,894/mo
Today · 4.125%
HK$150,859
baseline
▲ 0.50% · 4.625%
HK$158,811
+HK$7,952/mo
Deposit HK$28.21M · loan HK$28.21M · min. income ≈ HK$301,718/mo (50% DSR)
Upfront cash ≈ HK$30.61M (deposit + AVD stamp duty HK$2,397,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,385
−HK$9,681/mo
▼ 0.25% · 3.875%
HK$159,187
−HK$4,879/mo
Today · 4.125%
HK$164,066
baseline
▲ 0.50% · 4.625%
HK$174,049
+HK$9,983/mo
Deposit HK$22.57M · loan HK$33.85M · min. income ≈ HK$328,132/mo (50% DSR)
Upfront cash ≈ HK$24.97M (deposit + AVD stamp duty HK$2,397,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,751
−HK$9,280/mo
▼ 0.25% · 3.875%
HK$176,358
−HK$4,673/mo
Today · 4.125%
HK$181,031
baseline
▲ 0.50% · 4.625%
HK$190,573
+HK$9,542/mo
Deposit HK$22.57M · loan HK$33.85M · min. income ≈ HK$362,062/mo (50% DSR)
Upfront cash ≈ HK$24.97M (deposit + AVD stamp duty HK$2,397,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,115
−HK$11,295/mo
▼ 0.25% · 3.875%
HK$185,718
−HK$5,692/mo
Today · 4.125%
HK$191,410
baseline
▲ 0.50% · 4.625%
HK$203,057
+HK$11,647/mo
Deposit HK$16.93M · loan HK$39.49M · min. income ≈ HK$382,820/mo (50% DSR)
Upfront cash ≈ HK$19.32M (deposit + AVD stamp duty HK$2,397,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,377
−HK$10,825/mo
▼ 0.25% · 3.875%
HK$205,751
−HK$5,451/mo
Today · 4.125%
HK$211,202
baseline
▲ 0.50% · 4.625%
HK$222,335
+HK$11,133/mo
Deposit HK$16.93M · loan HK$39.49M · min. income ≈ HK$422,404/mo (50% DSR)
Upfront cash ≈ HK$19.32M (deposit + AVD stamp duty HK$2,397,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,577
−HK$14,522/mo
▼ 0.25% · 3.875%
HK$238,780
−HK$7,319/mo
Today · 4.125%
HK$246,099
baseline
▲ 0.50% · 4.625%
HK$261,073
+HK$14,974/mo
Deposit HK$5.64M · loan HK$50.78M · min. income ≈ HK$492,198/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$2,397,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,627
−HK$13,919/mo
▼ 0.25% · 3.875%
HK$264,536
−HK$7,010/mo
Today · 4.125%
HK$271,546
baseline
▲ 0.50% · 4.625%
HK$285,859
+HK$14,313/mo
Deposit HK$5.64M · loan HK$50.78M · min. income ≈ HK$543,092/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$2,397,884 · Scale 2, in force from 26 Feb 2026)