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$125,402
−HK$7,864/mo
▼ 0.25% · 3.875%
HK$129,302
−HK$3,964/mo
Today · 4.125%
HK$133,266
baseline
▲ 0.50% · 4.625%
HK$141,374
+HK$8,108/mo
Deposit HK$27.50M · loan HK$27.50M · min. income ≈ HK$266,532/mo (50% DSR)
Upfront cash ≈ HK$29.83M (deposit + AVD stamp duty HK$2,337,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,508
−HK$7,537/mo
▼ 0.25% · 3.875%
HK$143,250
−HK$3,795/mo
Today · 4.125%
HK$147,045
baseline
▲ 0.50% · 4.625%
HK$154,796
+HK$7,751/mo
Deposit HK$27.50M · loan HK$27.50M · min. income ≈ HK$294,090/mo (50% DSR)
Upfront cash ≈ HK$29.83M (deposit + AVD stamp duty HK$2,337,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,482
−HK$9,437/mo
▼ 0.25% · 3.875%
HK$155,163
−HK$4,756/mo
Today · 4.125%
HK$159,919
baseline
▲ 0.50% · 4.625%
HK$169,649
+HK$9,730/mo
Deposit HK$22.00M · loan HK$33.00M · min. income ≈ HK$319,838/mo (50% DSR)
Upfront cash ≈ HK$24.34M (deposit + AVD stamp duty HK$2,337,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,410
−HK$9,044/mo
▼ 0.25% · 3.875%
HK$171,900
−HK$4,554/mo
Today · 4.125%
HK$176,454
baseline
▲ 0.50% · 4.625%
HK$185,756
+HK$9,302/mo
Deposit HK$22.00M · loan HK$33.00M · min. income ≈ HK$352,908/mo (50% DSR)
Upfront cash ≈ HK$24.34M (deposit + AVD stamp duty HK$2,337,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,562
−HK$11,010/mo
▼ 0.25% · 3.875%
HK$181,023
−HK$5,549/mo
Today · 4.125%
HK$186,572
baseline
▲ 0.50% · 4.625%
HK$197,924
+HK$11,352/mo
Deposit HK$16.50M · loan HK$38.50M · min. income ≈ HK$373,144/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$2,337,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,311
−HK$10,553/mo
▼ 0.25% · 3.875%
HK$200,550
−HK$5,314/mo
Today · 4.125%
HK$205,864
baseline
▲ 0.50% · 4.625%
HK$216,715
+HK$10,851/mo
Deposit HK$16.50M · loan HK$38.50M · min. income ≈ HK$411,728/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$2,337,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,723
−HK$14,155/mo
▼ 0.25% · 3.875%
HK$232,744
−HK$7,134/mo
Today · 4.125%
HK$239,878
baseline
▲ 0.50% · 4.625%
HK$254,474
+HK$14,596/mo
Deposit HK$5.50M · loan HK$49.50M · min. income ≈ HK$479,756/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$2,337,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,115
−HK$13,567/mo
▼ 0.25% · 3.875%
HK$257,849
−HK$6,833/mo
Today · 4.125%
HK$264,682
baseline
▲ 0.50% · 4.625%
HK$278,633
+HK$13,951/mo
Deposit HK$5.50M · loan HK$49.50M · min. income ≈ HK$529,364/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$2,337,270 · Scale 2, in force from 26 Feb 2026)