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$127,104
−HK$7,970/mo
▼ 0.25% · 3.875%
HK$131,057
−HK$4,017/mo
Today · 4.125%
HK$135,074
baseline
▲ 0.50% · 4.625%
HK$143,293
+HK$8,219/mo
Deposit HK$27.87M · loan HK$27.87M · min. income ≈ HK$270,148/mo (50% DSR)
Upfront cash ≈ HK$30.24M (deposit + AVD stamp duty HK$2,368,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,402
−HK$7,639/mo
▼ 0.25% · 3.875%
HK$145,194
−HK$3,847/mo
Today · 4.125%
HK$149,041
baseline
▲ 0.50% · 4.625%
HK$156,897
+HK$7,856/mo
Deposit HK$27.87M · loan HK$27.87M · min. income ≈ HK$298,082/mo (50% DSR)
Upfront cash ≈ HK$30.24M (deposit + AVD stamp duty HK$2,368,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,524
−HK$9,565/mo
▼ 0.25% · 3.875%
HK$157,269
−HK$4,820/mo
Today · 4.125%
HK$162,089
baseline
▲ 0.50% · 4.625%
HK$171,952
+HK$9,863/mo
Deposit HK$22.30M · loan HK$33.44M · min. income ≈ HK$324,178/mo (50% DSR)
Upfront cash ≈ HK$24.67M (deposit + AVD stamp duty HK$2,368,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,682
−HK$9,167/mo
▼ 0.25% · 3.875%
HK$174,233
−HK$4,616/mo
Today · 4.125%
HK$178,849
baseline
▲ 0.50% · 4.625%
HK$188,277
+HK$9,428/mo
Deposit HK$22.30M · loan HK$33.44M · min. income ≈ HK$357,698/mo (50% DSR)
Upfront cash ≈ HK$24.67M (deposit + AVD stamp duty HK$2,368,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,945
−HK$11,159/mo
▼ 0.25% · 3.875%
HK$183,480
−HK$5,624/mo
Today · 4.125%
HK$189,104
baseline
▲ 0.50% · 4.625%
HK$200,610
+HK$11,506/mo
Deposit HK$16.72M · loan HK$39.02M · min. income ≈ HK$378,208/mo (50% DSR)
Upfront cash ≈ HK$19.09M (deposit + AVD stamp duty HK$2,368,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,962
−HK$10,695/mo
▼ 0.25% · 3.875%
HK$203,271
−HK$5,386/mo
Today · 4.125%
HK$208,657
baseline
▲ 0.50% · 4.625%
HK$219,656
+HK$10,999/mo
Deposit HK$16.72M · loan HK$39.02M · min. income ≈ HK$417,314/mo (50% DSR)
Upfront cash ≈ HK$19.09M (deposit + AVD stamp duty HK$2,368,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,787
−HK$14,346/mo
▼ 0.25% · 3.875%
HK$235,903
−HK$7,230/mo
Today · 4.125%
HK$243,133
baseline
▲ 0.50% · 4.625%
HK$257,928
+HK$14,795/mo
Deposit HK$5.57M · loan HK$50.17M · min. income ≈ HK$486,266/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$2,368,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,523
−HK$13,751/mo
▼ 0.25% · 3.875%
HK$261,349
−HK$6,925/mo
Today · 4.125%
HK$268,274
baseline
▲ 0.50% · 4.625%
HK$282,415
+HK$14,141/mo
Deposit HK$5.57M · loan HK$50.17M · min. income ≈ HK$536,548/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$2,368,990 · Scale 2, in force from 26 Feb 2026)