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$128,306
−HK$8,046/mo
▼ 0.25% · 3.875%
HK$132,297
−HK$4,055/mo
Today · 4.125%
HK$136,352
baseline
▲ 0.50% · 4.625%
HK$144,648
+HK$8,296/mo
Deposit HK$28.13M · loan HK$28.13M · min. income ≈ HK$272,704/mo (50% DSR)
Upfront cash ≈ HK$30.53M (deposit + AVD stamp duty HK$2,391,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,739
−HK$7,712/mo
▼ 0.25% · 3.875%
HK$146,567
−HK$3,884/mo
Today · 4.125%
HK$150,451
baseline
▲ 0.50% · 4.625%
HK$158,381
+HK$7,930/mo
Deposit HK$28.13M · loan HK$28.13M · min. income ≈ HK$300,902/mo (50% DSR)
Upfront cash ≈ HK$30.53M (deposit + AVD stamp duty HK$2,391,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,967
−HK$9,655/mo
▼ 0.25% · 3.875%
HK$158,756
−HK$4,866/mo
Today · 4.125%
HK$163,622
baseline
▲ 0.50% · 4.625%
HK$173,578
+HK$9,956/mo
Deposit HK$22.51M · loan HK$33.76M · min. income ≈ HK$327,244/mo (50% DSR)
Upfront cash ≈ HK$24.90M (deposit + AVD stamp duty HK$2,391,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,287
−HK$9,254/mo
▼ 0.25% · 3.875%
HK$175,880
−HK$4,661/mo
Today · 4.125%
HK$180,541
baseline
▲ 0.50% · 4.625%
HK$190,057
+HK$9,516/mo
Deposit HK$22.51M · loan HK$33.76M · min. income ≈ HK$361,082/mo (50% DSR)
Upfront cash ≈ HK$24.90M (deposit + AVD stamp duty HK$2,391,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,628
−HK$11,264/mo
▼ 0.25% · 3.875%
HK$185,215
−HK$5,677/mo
Today · 4.125%
HK$190,892
baseline
▲ 0.50% · 4.625%
HK$202,508
+HK$11,616/mo
Deposit HK$16.88M · loan HK$39.39M · min. income ≈ HK$381,784/mo (50% DSR)
Upfront cash ≈ HK$19.27M (deposit + AVD stamp duty HK$2,391,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,834
−HK$10,797/mo
▼ 0.25% · 3.875%
HK$205,194
−HK$5,437/mo
Today · 4.125%
HK$210,631
baseline
▲ 0.50% · 4.625%
HK$221,733
+HK$11,102/mo
Deposit HK$16.88M · loan HK$39.39M · min. income ≈ HK$421,262/mo (50% DSR)
Upfront cash ≈ HK$19.27M (deposit + AVD stamp duty HK$2,391,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,950
−HK$14,483/mo
▼ 0.25% · 3.875%
HK$238,134
−HK$7,299/mo
Today · 4.125%
HK$245,433
baseline
▲ 0.50% · 4.625%
HK$260,367
+HK$14,934/mo
Deposit HK$5.63M · loan HK$50.64M · min. income ≈ HK$490,866/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$2,391,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,930
−HK$13,881/mo
▼ 0.25% · 3.875%
HK$263,821
−HK$6,990/mo
Today · 4.125%
HK$270,811
baseline
▲ 0.50% · 4.625%
HK$285,086
+HK$14,275/mo
Deposit HK$5.63M · loan HK$50.64M · min. income ≈ HK$541,622/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$2,391,394 · Scale 2, in force from 26 Feb 2026)