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$127,037
−HK$7,966/mo
▼ 0.25% · 3.875%
HK$130,989
−HK$4,014/mo
Today · 4.125%
HK$135,003
baseline
▲ 0.50% · 4.625%
HK$143,218
+HK$8,215/mo
Deposit HK$27.86M · loan HK$27.86M · min. income ≈ HK$270,006/mo (50% DSR)
Upfront cash ≈ HK$30.22M (deposit + AVD stamp duty HK$2,367,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,327
−HK$7,636/mo
▼ 0.25% · 3.875%
HK$145,118
−HK$3,845/mo
Today · 4.125%
HK$148,963
baseline
▲ 0.50% · 4.625%
HK$156,815
+HK$7,852/mo
Deposit HK$27.86M · loan HK$27.86M · min. income ≈ HK$297,926/mo (50% DSR)
Upfront cash ≈ HK$30.22M (deposit + AVD stamp duty HK$2,367,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,445
−HK$9,559/mo
▼ 0.25% · 3.875%
HK$157,186
−HK$4,818/mo
Today · 4.125%
HK$162,004
baseline
▲ 0.50% · 4.625%
HK$171,862
+HK$9,858/mo
Deposit HK$22.28M · loan HK$33.43M · min. income ≈ HK$324,008/mo (50% DSR)
Upfront cash ≈ HK$24.65M (deposit + AVD stamp duty HK$2,367,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,593
−HK$9,163/mo
▼ 0.25% · 3.875%
HK$174,141
−HK$4,615/mo
Today · 4.125%
HK$178,756
baseline
▲ 0.50% · 4.625%
HK$188,178
+HK$9,422/mo
Deposit HK$22.28M · loan HK$33.43M · min. income ≈ HK$357,512/mo (50% DSR)
Upfront cash ≈ HK$24.65M (deposit + AVD stamp duty HK$2,367,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,852
−HK$11,153/mo
▼ 0.25% · 3.875%
HK$183,384
−HK$5,621/mo
Today · 4.125%
HK$189,005
baseline
▲ 0.50% · 4.625%
HK$200,505
+HK$11,500/mo
Deposit HK$16.71M · loan HK$39.00M · min. income ≈ HK$378,010/mo (50% DSR)
Upfront cash ≈ HK$19.08M (deposit + AVD stamp duty HK$2,367,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,858
−HK$10,690/mo
▼ 0.25% · 3.875%
HK$203,165
−HK$5,383/mo
Today · 4.125%
HK$208,548
baseline
▲ 0.50% · 4.625%
HK$219,541
+HK$10,993/mo
Deposit HK$16.71M · loan HK$39.00M · min. income ≈ HK$417,096/mo (50% DSR)
Upfront cash ≈ HK$19.08M (deposit + AVD stamp duty HK$2,367,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,667
−HK$14,339/mo
▼ 0.25% · 3.875%
HK$235,780
−HK$7,226/mo
Today · 4.125%
HK$243,006
baseline
▲ 0.50% · 4.625%
HK$257,793
+HK$14,787/mo
Deposit HK$5.57M · loan HK$50.14M · min. income ≈ HK$486,012/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$2,367,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,389
−HK$13,744/mo
▼ 0.25% · 3.875%
HK$261,212
−HK$6,921/mo
Today · 4.125%
HK$268,133
baseline
▲ 0.50% · 4.625%
HK$282,267
+HK$14,134/mo
Deposit HK$5.57M · loan HK$50.14M · min. income ≈ HK$536,266/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$2,367,750 · Scale 2, in force from 26 Feb 2026)