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$128,507
−HK$8,058/mo
▼ 0.25% · 3.875%
HK$132,504
−HK$4,061/mo
Today · 4.125%
HK$136,565
baseline
▲ 0.50% · 4.625%
HK$144,875
+HK$8,310/mo
Deposit HK$28.18M · loan HK$28.18M · min. income ≈ HK$273,130/mo (50% DSR)
Upfront cash ≈ HK$30.57M (deposit + AVD stamp duty HK$2,395,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,963
−HK$7,723/mo
▼ 0.25% · 3.875%
HK$146,797
−HK$3,889/mo
Today · 4.125%
HK$150,686
baseline
▲ 0.50% · 4.625%
HK$158,629
+HK$7,943/mo
Deposit HK$28.18M · loan HK$28.18M · min. income ≈ HK$301,372/mo (50% DSR)
Upfront cash ≈ HK$30.57M (deposit + AVD stamp duty HK$2,395,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,208
−HK$9,670/mo
▼ 0.25% · 3.875%
HK$159,005
−HK$4,873/mo
Today · 4.125%
HK$163,878
baseline
▲ 0.50% · 4.625%
HK$173,850
+HK$9,972/mo
Deposit HK$22.54M · loan HK$33.81M · min. income ≈ HK$327,756/mo (50% DSR)
Upfront cash ≈ HK$24.94M (deposit + AVD stamp duty HK$2,395,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,555
−HK$9,269/mo
▼ 0.25% · 3.875%
HK$176,156
−HK$4,668/mo
Today · 4.125%
HK$180,824
baseline
▲ 0.50% · 4.625%
HK$190,355
+HK$9,531/mo
Deposit HK$22.54M · loan HK$33.81M · min. income ≈ HK$361,648/mo (50% DSR)
Upfront cash ≈ HK$24.94M (deposit + AVD stamp duty HK$2,395,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,910
−HK$11,281/mo
▼ 0.25% · 3.875%
HK$185,506
−HK$5,685/mo
Today · 4.125%
HK$191,191
baseline
▲ 0.50% · 4.625%
HK$202,825
+HK$11,634/mo
Deposit HK$16.91M · loan HK$39.45M · min. income ≈ HK$382,382/mo (50% DSR)
Upfront cash ≈ HK$19.30M (deposit + AVD stamp duty HK$2,395,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,148
−HK$10,813/mo
▼ 0.25% · 3.875%
HK$205,515
−HK$5,446/mo
Today · 4.125%
HK$210,961
baseline
▲ 0.50% · 4.625%
HK$222,081
+HK$11,120/mo
Deposit HK$16.91M · loan HK$39.45M · min. income ≈ HK$421,922/mo (50% DSR)
Upfront cash ≈ HK$19.30M (deposit + AVD stamp duty HK$2,395,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,312
−HK$14,506/mo
▼ 0.25% · 3.875%
HK$238,507
−HK$7,311/mo
Today · 4.125%
HK$245,818
baseline
▲ 0.50% · 4.625%
HK$260,775
+HK$14,957/mo
Deposit HK$5.64M · loan HK$50.72M · min. income ≈ HK$491,636/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$2,395,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,333
−HK$13,902/mo
▼ 0.25% · 3.875%
HK$264,234
−HK$7,001/mo
Today · 4.125%
HK$271,235
baseline
▲ 0.50% · 4.625%
HK$285,533
+HK$14,298/mo
Deposit HK$5.64M · loan HK$50.72M · min. income ≈ HK$542,470/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$2,395,143 · Scale 2, in force from 26 Feb 2026)