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$128,339
−HK$8,048/mo
▼ 0.25% · 3.875%
HK$132,331
−HK$4,056/mo
Today · 4.125%
HK$136,387
baseline
▲ 0.50% · 4.625%
HK$144,686
+HK$8,299/mo
Deposit HK$28.14M · loan HK$28.14M · min. income ≈ HK$272,774/mo (50% DSR)
Upfront cash ≈ HK$30.53M (deposit + AVD stamp duty HK$2,392,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,776
−HK$7,713/mo
▼ 0.25% · 3.875%
HK$146,605
−HK$3,884/mo
Today · 4.125%
HK$150,489
baseline
▲ 0.50% · 4.625%
HK$158,422
+HK$7,933/mo
Deposit HK$28.14M · loan HK$28.14M · min. income ≈ HK$300,978/mo (50% DSR)
Upfront cash ≈ HK$30.53M (deposit + AVD stamp duty HK$2,392,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,007
−HK$9,657/mo
▼ 0.25% · 3.875%
HK$158,797
−HK$4,867/mo
Today · 4.125%
HK$163,664
baseline
▲ 0.50% · 4.625%
HK$173,623
+HK$9,959/mo
Deposit HK$22.51M · loan HK$33.77M · min. income ≈ HK$327,328/mo (50% DSR)
Upfront cash ≈ HK$24.91M (deposit + AVD stamp duty HK$2,392,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,331
−HK$9,256/mo
▼ 0.25% · 3.875%
HK$175,926
−HK$4,661/mo
Today · 4.125%
HK$180,587
baseline
▲ 0.50% · 4.625%
HK$190,106
+HK$9,519/mo
Deposit HK$22.51M · loan HK$33.77M · min. income ≈ HK$361,174/mo (50% DSR)
Upfront cash ≈ HK$24.91M (deposit + AVD stamp duty HK$2,392,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,674
−HK$11,268/mo
▼ 0.25% · 3.875%
HK$185,263
−HK$5,679/mo
Today · 4.125%
HK$190,942
baseline
▲ 0.50% · 4.625%
HK$202,560
+HK$11,618/mo
Deposit HK$16.88M · loan HK$39.40M · min. income ≈ HK$381,884/mo (50% DSR)
Upfront cash ≈ HK$19.28M (deposit + AVD stamp duty HK$2,392,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,886
−HK$10,799/mo
▼ 0.25% · 3.875%
HK$205,247
−HK$5,438/mo
Today · 4.125%
HK$210,685
baseline
▲ 0.50% · 4.625%
HK$221,791
+HK$11,106/mo
Deposit HK$16.88M · loan HK$39.40M · min. income ≈ HK$421,370/mo (50% DSR)
Upfront cash ≈ HK$19.28M (deposit + AVD stamp duty HK$2,392,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,010
−HK$14,486/mo
▼ 0.25% · 3.875%
HK$238,196
−HK$7,300/mo
Today · 4.125%
HK$245,496
baseline
▲ 0.50% · 4.625%
HK$260,434
+HK$14,938/mo
Deposit HK$5.63M · loan HK$50.65M · min. income ≈ HK$490,992/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$2,392,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,996
−HK$13,885/mo
▼ 0.25% · 3.875%
HK$263,889
−HK$6,992/mo
Today · 4.125%
HK$270,881
baseline
▲ 0.50% · 4.625%
HK$285,160
+HK$14,279/mo
Deposit HK$5.63M · loan HK$50.65M · min. income ≈ HK$541,762/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$2,392,013 · Scale 2, in force from 26 Feb 2026)