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$128,177
−HK$8,038/mo
▼ 0.25% · 3.875%
HK$132,164
−HK$4,051/mo
Today · 4.125%
HK$136,215
baseline
▲ 0.50% · 4.625%
HK$144,504
+HK$8,289/mo
Deposit HK$28.11M · loan HK$28.11M · min. income ≈ HK$272,430/mo (50% DSR)
Upfront cash ≈ HK$30.49M (deposit + AVD stamp duty HK$2,389,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,596
−HK$7,704/mo
▼ 0.25% · 3.875%
HK$146,420
−HK$3,880/mo
Today · 4.125%
HK$150,300
baseline
▲ 0.50% · 4.625%
HK$158,223
+HK$7,923/mo
Deposit HK$28.11M · loan HK$28.11M · min. income ≈ HK$300,600/mo (50% DSR)
Upfront cash ≈ HK$30.49M (deposit + AVD stamp duty HK$2,389,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,813
−HK$9,645/mo
▼ 0.25% · 3.875%
HK$158,597
−HK$4,861/mo
Today · 4.125%
HK$163,458
baseline
▲ 0.50% · 4.625%
HK$173,404
+HK$9,946/mo
Deposit HK$22.48M · loan HK$33.73M · min. income ≈ HK$326,916/mo (50% DSR)
Upfront cash ≈ HK$24.87M (deposit + AVD stamp duty HK$2,389,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,115
−HK$9,245/mo
▼ 0.25% · 3.875%
HK$175,704
−HK$4,656/mo
Today · 4.125%
HK$180,360
baseline
▲ 0.50% · 4.625%
HK$189,867
+HK$9,507/mo
Deposit HK$22.48M · loan HK$33.73M · min. income ≈ HK$360,720/mo (50% DSR)
Upfront cash ≈ HK$24.87M (deposit + AVD stamp duty HK$2,389,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,448
−HK$11,253/mo
▼ 0.25% · 3.875%
HK$185,030
−HK$5,671/mo
Today · 4.125%
HK$190,701
baseline
▲ 0.50% · 4.625%
HK$202,305
+HK$11,604/mo
Deposit HK$16.86M · loan HK$39.35M · min. income ≈ HK$381,402/mo (50% DSR)
Upfront cash ≈ HK$19.25M (deposit + AVD stamp duty HK$2,389,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,634
−HK$10,786/mo
▼ 0.25% · 3.875%
HK$204,989
−HK$5,431/mo
Today · 4.125%
HK$210,420
baseline
▲ 0.50% · 4.625%
HK$221,512
+HK$11,092/mo
Deposit HK$16.86M · loan HK$39.35M · min. income ≈ HK$420,840/mo (50% DSR)
Upfront cash ≈ HK$19.25M (deposit + AVD stamp duty HK$2,389,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,719
−HK$14,468/mo
▼ 0.25% · 3.875%
HK$237,896
−HK$7,291/mo
Today · 4.125%
HK$245,187
baseline
▲ 0.50% · 4.625%
HK$260,106
+HK$14,919/mo
Deposit HK$5.62M · loan HK$50.59M · min. income ≈ HK$490,374/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$2,389,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,673
−HK$13,867/mo
▼ 0.25% · 3.875%
HK$263,557
−HK$6,983/mo
Today · 4.125%
HK$270,540
baseline
▲ 0.50% · 4.625%
HK$284,801
+HK$14,261/mo
Deposit HK$5.62M · loan HK$50.59M · min. income ≈ HK$541,080/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$2,389,003 · Scale 2, in force from 26 Feb 2026)