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$128,096
−HK$8,033/mo
▼ 0.25% · 3.875%
HK$132,081
−HK$4,048/mo
Today · 4.125%
HK$136,129
baseline
▲ 0.50% · 4.625%
HK$144,412
+HK$8,283/mo
Deposit HK$28.09M · loan HK$28.09M · min. income ≈ HK$272,258/mo (50% DSR)
Upfront cash ≈ HK$30.48M (deposit + AVD stamp duty HK$2,387,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,506
−HK$7,699/mo
▼ 0.25% · 3.875%
HK$146,327
−HK$3,878/mo
Today · 4.125%
HK$150,205
baseline
▲ 0.50% · 4.625%
HK$158,122
+HK$7,917/mo
Deposit HK$28.09M · loan HK$28.09M · min. income ≈ HK$300,410/mo (50% DSR)
Upfront cash ≈ HK$30.48M (deposit + AVD stamp duty HK$2,387,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,715
−HK$9,639/mo
▼ 0.25% · 3.875%
HK$158,497
−HK$4,857/mo
Today · 4.125%
HK$163,354
baseline
▲ 0.50% · 4.625%
HK$173,294
+HK$9,940/mo
Deposit HK$22.47M · loan HK$33.71M · min. income ≈ HK$326,708/mo (50% DSR)
Upfront cash ≈ HK$24.86M (deposit + AVD stamp duty HK$2,387,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,007
−HK$9,239/mo
▼ 0.25% · 3.875%
HK$175,593
−HK$4,653/mo
Today · 4.125%
HK$180,246
baseline
▲ 0.50% · 4.625%
HK$189,747
+HK$9,501/mo
Deposit HK$22.47M · loan HK$33.71M · min. income ≈ HK$360,492/mo (50% DSR)
Upfront cash ≈ HK$24.86M (deposit + AVD stamp duty HK$2,387,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,334
−HK$11,246/mo
▼ 0.25% · 3.875%
HK$184,913
−HK$5,667/mo
Today · 4.125%
HK$190,580
baseline
▲ 0.50% · 4.625%
HK$202,177
+HK$11,597/mo
Deposit HK$16.85M · loan HK$39.32M · min. income ≈ HK$381,160/mo (50% DSR)
Upfront cash ≈ HK$19.24M (deposit + AVD stamp duty HK$2,387,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,508
−HK$10,778/mo
▼ 0.25% · 3.875%
HK$204,858
−HK$5,428/mo
Today · 4.125%
HK$210,286
baseline
▲ 0.50% · 4.625%
HK$221,371
+HK$11,085/mo
Deposit HK$16.85M · loan HK$39.32M · min. income ≈ HK$420,572/mo (50% DSR)
Upfront cash ≈ HK$19.24M (deposit + AVD stamp duty HK$2,387,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,573
−HK$14,459/mo
▼ 0.25% · 3.875%
HK$237,745
−HK$7,287/mo
Today · 4.125%
HK$245,032
baseline
▲ 0.50% · 4.625%
HK$259,941
+HK$14,909/mo
Deposit HK$5.62M · loan HK$50.56M · min. income ≈ HK$490,064/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$2,387,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,510
−HK$13,858/mo
▼ 0.25% · 3.875%
HK$263,389
−HK$6,979/mo
Today · 4.125%
HK$270,368
baseline
▲ 0.50% · 4.625%
HK$284,620
+HK$14,252/mo
Deposit HK$5.62M · loan HK$50.56M · min. income ≈ HK$540,736/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$2,387,486 · Scale 2, in force from 26 Feb 2026)