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$128,272
−HK$8,044/mo
▼ 0.25% · 3.875%
HK$132,262
−HK$4,054/mo
Today · 4.125%
HK$136,316
baseline
▲ 0.50% · 4.625%
HK$144,610
+HK$8,294/mo
Deposit HK$28.13M · loan HK$28.13M · min. income ≈ HK$272,632/mo (50% DSR)
Upfront cash ≈ HK$30.52M (deposit + AVD stamp duty HK$2,390,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,701
−HK$7,710/mo
▼ 0.25% · 3.875%
HK$146,528
−HK$3,883/mo
Today · 4.125%
HK$150,411
baseline
▲ 0.50% · 4.625%
HK$158,339
+HK$7,928/mo
Deposit HK$28.13M · loan HK$28.13M · min. income ≈ HK$300,822/mo (50% DSR)
Upfront cash ≈ HK$30.52M (deposit + AVD stamp duty HK$2,390,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,926
−HK$9,653/mo
▼ 0.25% · 3.875%
HK$158,714
−HK$4,865/mo
Today · 4.125%
HK$163,579
baseline
▲ 0.50% · 4.625%
HK$173,532
+HK$9,953/mo
Deposit HK$22.50M · loan HK$33.75M · min. income ≈ HK$327,158/mo (50% DSR)
Upfront cash ≈ HK$24.89M (deposit + AVD stamp duty HK$2,390,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,241
−HK$9,252/mo
▼ 0.25% · 3.875%
HK$175,834
−HK$4,659/mo
Today · 4.125%
HK$180,493
baseline
▲ 0.50% · 4.625%
HK$190,007
+HK$9,514/mo
Deposit HK$22.50M · loan HK$33.75M · min. income ≈ HK$360,986/mo (50% DSR)
Upfront cash ≈ HK$24.89M (deposit + AVD stamp duty HK$2,390,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,581
−HK$11,261/mo
▼ 0.25% · 3.875%
HK$185,167
−HK$5,675/mo
Today · 4.125%
HK$190,842
baseline
▲ 0.50% · 4.625%
HK$202,454
+HK$11,612/mo
Deposit HK$16.88M · loan HK$39.38M · min. income ≈ HK$381,684/mo (50% DSR)
Upfront cash ≈ HK$19.27M (deposit + AVD stamp duty HK$2,390,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,782
−HK$10,793/mo
▼ 0.25% · 3.875%
HK$205,140
−HK$5,435/mo
Today · 4.125%
HK$210,575
baseline
▲ 0.50% · 4.625%
HK$221,675
+HK$11,100/mo
Deposit HK$16.88M · loan HK$39.38M · min. income ≈ HK$421,150/mo (50% DSR)
Upfront cash ≈ HK$19.27M (deposit + AVD stamp duty HK$2,390,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,889
−HK$14,479/mo
▼ 0.25% · 3.875%
HK$238,071
−HK$7,297/mo
Today · 4.125%
HK$245,368
baseline
▲ 0.50% · 4.625%
HK$260,298
+HK$14,930/mo
Deposit HK$5.63M · loan HK$50.63M · min. income ≈ HK$490,736/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$2,390,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,862
−HK$13,878/mo
▼ 0.25% · 3.875%
HK$263,751
−HK$6,989/mo
Today · 4.125%
HK$270,740
baseline
▲ 0.50% · 4.625%
HK$285,011
+HK$14,271/mo
Deposit HK$5.63M · loan HK$50.63M · min. income ≈ HK$541,480/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$2,390,765 · Scale 2, in force from 26 Feb 2026)