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$128,264
−HK$8,044/mo
▼ 0.25% · 3.875%
HK$132,254
−HK$4,054/mo
Today · 4.125%
HK$136,308
baseline
▲ 0.50% · 4.625%
HK$144,602
+HK$8,294/mo
Deposit HK$28.12M · loan HK$28.12M · min. income ≈ HK$272,616/mo (50% DSR)
Upfront cash ≈ HK$30.52M (deposit + AVD stamp duty HK$2,390,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,693
−HK$7,709/mo
▼ 0.25% · 3.875%
HK$146,520
−HK$3,882/mo
Today · 4.125%
HK$150,402
baseline
▲ 0.50% · 4.625%
HK$158,330
+HK$7,928/mo
Deposit HK$28.12M · loan HK$28.12M · min. income ≈ HK$300,804/mo (50% DSR)
Upfront cash ≈ HK$30.52M (deposit + AVD stamp duty HK$2,390,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,917
−HK$9,652/mo
▼ 0.25% · 3.875%
HK$158,705
−HK$4,864/mo
Today · 4.125%
HK$163,569
baseline
▲ 0.50% · 4.625%
HK$173,522
+HK$9,953/mo
Deposit HK$22.50M · loan HK$33.75M · min. income ≈ HK$327,138/mo (50% DSR)
Upfront cash ≈ HK$24.89M (deposit + AVD stamp duty HK$2,390,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,231
−HK$9,251/mo
▼ 0.25% · 3.875%
HK$175,824
−HK$4,658/mo
Today · 4.125%
HK$180,482
baseline
▲ 0.50% · 4.625%
HK$189,996
+HK$9,514/mo
Deposit HK$22.50M · loan HK$33.75M · min. income ≈ HK$360,964/mo (50% DSR)
Upfront cash ≈ HK$24.89M (deposit + AVD stamp duty HK$2,390,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,570
−HK$11,261/mo
▼ 0.25% · 3.875%
HK$185,156
−HK$5,675/mo
Today · 4.125%
HK$190,831
baseline
▲ 0.50% · 4.625%
HK$202,442
+HK$11,611/mo
Deposit HK$16.87M · loan HK$39.37M · min. income ≈ HK$381,662/mo (50% DSR)
Upfront cash ≈ HK$19.27M (deposit + AVD stamp duty HK$2,390,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,770
−HK$10,793/mo
▼ 0.25% · 3.875%
HK$205,128
−HK$5,435/mo
Today · 4.125%
HK$210,563
baseline
▲ 0.50% · 4.625%
HK$221,662
+HK$11,099/mo
Deposit HK$16.87M · loan HK$39.37M · min. income ≈ HK$421,126/mo (50% DSR)
Upfront cash ≈ HK$19.27M (deposit + AVD stamp duty HK$2,390,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,876
−HK$14,478/mo
▼ 0.25% · 3.875%
HK$238,057
−HK$7,297/mo
Today · 4.125%
HK$245,354
baseline
▲ 0.50% · 4.625%
HK$260,283
+HK$14,929/mo
Deposit HK$5.62M · loan HK$50.62M · min. income ≈ HK$490,708/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$2,390,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,847
−HK$13,877/mo
▼ 0.25% · 3.875%
HK$263,735
−HK$6,989/mo
Today · 4.125%
HK$270,724
baseline
▲ 0.50% · 4.625%
HK$284,994
+HK$14,270/mo
Deposit HK$5.62M · loan HK$50.62M · min. income ≈ HK$541,448/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$2,390,622 · Scale 2, in force from 26 Feb 2026)