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$128,706
−HK$8,071/mo
▼ 0.25% · 3.875%
HK$132,710
−HK$4,067/mo
Today · 4.125%
HK$136,777
baseline
▲ 0.50% · 4.625%
HK$145,100
+HK$8,323/mo
Deposit HK$28.22M · loan HK$28.22M · min. income ≈ HK$273,554/mo (50% DSR)
Upfront cash ≈ HK$30.62M (deposit + AVD stamp duty HK$2,398,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,185
−HK$7,735/mo
▼ 0.25% · 3.875%
HK$147,025
−HK$3,895/mo
Today · 4.125%
HK$150,920
baseline
▲ 0.50% · 4.625%
HK$158,876
+HK$7,956/mo
Deposit HK$28.22M · loan HK$28.22M · min. income ≈ HK$301,840/mo (50% DSR)
Upfront cash ≈ HK$30.62M (deposit + AVD stamp duty HK$2,398,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,448
−HK$9,685/mo
▼ 0.25% · 3.875%
HK$159,252
−HK$4,881/mo
Today · 4.125%
HK$164,133
baseline
▲ 0.50% · 4.625%
HK$174,120
+HK$9,987/mo
Deposit HK$22.58M · loan HK$33.87M · min. income ≈ HK$328,266/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$2,398,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,822
−HK$9,283/mo
▼ 0.25% · 3.875%
HK$176,430
−HK$4,675/mo
Today · 4.125%
HK$181,105
baseline
▲ 0.50% · 4.625%
HK$190,651
+HK$9,546/mo
Deposit HK$22.58M · loan HK$33.87M · min. income ≈ HK$362,210/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$2,398,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,189
−HK$11,299/mo
▼ 0.25% · 3.875%
HK$185,794
−HK$5,694/mo
Today · 4.125%
HK$191,488
baseline
▲ 0.50% · 4.625%
HK$203,140
+HK$11,652/mo
Deposit HK$16.93M · loan HK$39.51M · min. income ≈ HK$382,976/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$2,398,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,458
−HK$10,831/mo
▼ 0.25% · 3.875%
HK$205,835
−HK$5,454/mo
Today · 4.125%
HK$211,289
baseline
▲ 0.50% · 4.625%
HK$222,426
+HK$11,137/mo
Deposit HK$16.93M · loan HK$39.51M · min. income ≈ HK$422,578/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$2,398,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,672
−HK$14,527/mo
▼ 0.25% · 3.875%
HK$238,878
−HK$7,321/mo
Today · 4.125%
HK$246,199
baseline
▲ 0.50% · 4.625%
HK$261,180
+HK$14,981/mo
Deposit HK$5.64M · loan HK$50.80M · min. income ≈ HK$492,398/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$2,398,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,732
−HK$13,925/mo
▼ 0.25% · 3.875%
HK$264,645
−HK$7,012/mo
Today · 4.125%
HK$271,657
baseline
▲ 0.50% · 4.625%
HK$285,976
+HK$14,319/mo
Deposit HK$5.64M · loan HK$50.80M · min. income ≈ HK$543,314/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$2,398,864 · Scale 2, in force from 26 Feb 2026)