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$128,369
−HK$8,050/mo
▼ 0.25% · 3.875%
HK$132,362
−HK$4,057/mo
Today · 4.125%
HK$136,419
baseline
▲ 0.50% · 4.625%
HK$144,719
+HK$8,300/mo
Deposit HK$28.15M · loan HK$28.15M · min. income ≈ HK$272,838/mo (50% DSR)
Upfront cash ≈ HK$30.54M (deposit + AVD stamp duty HK$2,392,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,809
−HK$7,715/mo
▼ 0.25% · 3.875%
HK$146,639
−HK$3,885/mo
Today · 4.125%
HK$150,524
baseline
▲ 0.50% · 4.625%
HK$158,459
+HK$7,935/mo
Deposit HK$28.15M · loan HK$28.15M · min. income ≈ HK$301,048/mo (50% DSR)
Upfront cash ≈ HK$30.54M (deposit + AVD stamp duty HK$2,392,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,042
−HK$9,660/mo
▼ 0.25% · 3.875%
HK$158,834
−HK$4,868/mo
Today · 4.125%
HK$163,702
baseline
▲ 0.50% · 4.625%
HK$173,663
+HK$9,961/mo
Deposit HK$22.52M · loan HK$33.78M · min. income ≈ HK$327,404/mo (50% DSR)
Upfront cash ≈ HK$24.91M (deposit + AVD stamp duty HK$2,392,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,371
−HK$9,258/mo
▼ 0.25% · 3.875%
HK$175,967
−HK$4,662/mo
Today · 4.125%
HK$180,629
baseline
▲ 0.50% · 4.625%
HK$190,151
+HK$9,522/mo
Deposit HK$22.52M · loan HK$33.78M · min. income ≈ HK$361,258/mo (50% DSR)
Upfront cash ≈ HK$24.91M (deposit + AVD stamp duty HK$2,392,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,716
−HK$11,270/mo
▼ 0.25% · 3.875%
HK$185,306
−HK$5,680/mo
Today · 4.125%
HK$190,986
baseline
▲ 0.50% · 4.625%
HK$202,607
+HK$11,621/mo
Deposit HK$16.89M · loan HK$39.41M · min. income ≈ HK$381,972/mo (50% DSR)
Upfront cash ≈ HK$19.28M (deposit + AVD stamp duty HK$2,392,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,932
−HK$10,802/mo
▼ 0.25% · 3.875%
HK$205,295
−HK$5,439/mo
Today · 4.125%
HK$210,734
baseline
▲ 0.50% · 4.625%
HK$221,842
+HK$11,108/mo
Deposit HK$16.89M · loan HK$39.41M · min. income ≈ HK$421,468/mo (50% DSR)
Upfront cash ≈ HK$19.28M (deposit + AVD stamp duty HK$2,392,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,064
−HK$14,489/mo
▼ 0.25% · 3.875%
HK$238,251
−HK$7,302/mo
Today · 4.125%
HK$245,553
baseline
▲ 0.50% · 4.625%
HK$260,495
+HK$14,942/mo
Deposit HK$5.63M · loan HK$50.67M · min. income ≈ HK$491,106/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$2,392,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,056
−HK$13,888/mo
▼ 0.25% · 3.875%
HK$263,950
−HK$6,994/mo
Today · 4.125%
HK$270,944
baseline
▲ 0.50% · 4.625%
HK$285,226
+HK$14,282/mo
Deposit HK$5.63M · loan HK$50.67M · min. income ≈ HK$541,888/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$2,392,569 · Scale 2, in force from 26 Feb 2026)