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$128,043
−HK$8,030/mo
▼ 0.25% · 3.875%
HK$132,026
−HK$4,047/mo
Today · 4.125%
HK$136,073
baseline
▲ 0.50% · 4.625%
HK$144,352
+HK$8,279/mo
Deposit HK$28.08M · loan HK$28.08M · min. income ≈ HK$272,146/mo (50% DSR)
Upfront cash ≈ HK$30.46M (deposit + AVD stamp duty HK$2,386,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,447
−HK$7,696/mo
▼ 0.25% · 3.875%
HK$146,267
−HK$3,876/mo
Today · 4.125%
HK$150,143
baseline
▲ 0.50% · 4.625%
HK$158,057
+HK$7,914/mo
Deposit HK$28.08M · loan HK$28.08M · min. income ≈ HK$300,286/mo (50% DSR)
Upfront cash ≈ HK$30.46M (deposit + AVD stamp duty HK$2,386,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,652
−HK$9,635/mo
▼ 0.25% · 3.875%
HK$158,431
−HK$4,856/mo
Today · 4.125%
HK$163,287
baseline
▲ 0.50% · 4.625%
HK$173,223
+HK$9,936/mo
Deposit HK$22.46M · loan HK$33.69M · min. income ≈ HK$326,574/mo (50% DSR)
Upfront cash ≈ HK$24.85M (deposit + AVD stamp duty HK$2,386,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,936
−HK$9,235/mo
▼ 0.25% · 3.875%
HK$175,521
−HK$4,650/mo
Today · 4.125%
HK$180,171
baseline
▲ 0.50% · 4.625%
HK$189,668
+HK$9,497/mo
Deposit HK$22.46M · loan HK$33.69M · min. income ≈ HK$360,342/mo (50% DSR)
Upfront cash ≈ HK$24.85M (deposit + AVD stamp duty HK$2,386,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,261
−HK$11,241/mo
▼ 0.25% · 3.875%
HK$184,837
−HK$5,665/mo
Today · 4.125%
HK$190,502
baseline
▲ 0.50% · 4.625%
HK$202,093
+HK$11,591/mo
Deposit HK$16.85M · loan HK$39.31M · min. income ≈ HK$381,004/mo (50% DSR)
Upfront cash ≈ HK$19.23M (deposit + AVD stamp duty HK$2,386,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,426
−HK$10,774/mo
▼ 0.25% · 3.875%
HK$204,774
−HK$5,426/mo
Today · 4.125%
HK$210,200
baseline
▲ 0.50% · 4.625%
HK$221,280
+HK$11,080/mo
Deposit HK$16.85M · loan HK$39.31M · min. income ≈ HK$420,400/mo (50% DSR)
Upfront cash ≈ HK$19.23M (deposit + AVD stamp duty HK$2,386,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,478
−HK$14,453/mo
▼ 0.25% · 3.875%
HK$237,647
−HK$7,284/mo
Today · 4.125%
HK$244,931
baseline
▲ 0.50% · 4.625%
HK$259,834
+HK$14,903/mo
Deposit HK$5.62M · loan HK$50.54M · min. income ≈ HK$489,862/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$2,386,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,404
−HK$13,853/mo
▼ 0.25% · 3.875%
HK$263,281
−HK$6,976/mo
Today · 4.125%
HK$270,257
baseline
▲ 0.50% · 4.625%
HK$284,503
+HK$14,246/mo
Deposit HK$5.62M · loan HK$50.54M · min. income ≈ HK$540,514/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$2,386,503 · Scale 2, in force from 26 Feb 2026)