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$128,663
−HK$8,068/mo
▼ 0.25% · 3.875%
HK$132,665
−HK$4,066/mo
Today · 4.125%
HK$136,731
baseline
▲ 0.50% · 4.625%
HK$145,051
+HK$8,320/mo
Deposit HK$28.21M · loan HK$28.21M · min. income ≈ HK$273,462/mo (50% DSR)
Upfront cash ≈ HK$30.61M (deposit + AVD stamp duty HK$2,398,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,136
−HK$7,734/mo
▼ 0.25% · 3.875%
HK$146,975
−HK$3,895/mo
Today · 4.125%
HK$150,870
baseline
▲ 0.50% · 4.625%
HK$158,822
+HK$7,952/mo
Deposit HK$28.21M · loan HK$28.21M · min. income ≈ HK$301,740/mo (50% DSR)
Upfront cash ≈ HK$30.61M (deposit + AVD stamp duty HK$2,398,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,396
−HK$9,682/mo
▼ 0.25% · 3.875%
HK$159,198
−HK$4,880/mo
Today · 4.125%
HK$164,078
baseline
▲ 0.50% · 4.625%
HK$174,062
+HK$9,984/mo
Deposit HK$22.57M · loan HK$33.85M · min. income ≈ HK$328,156/mo (50% DSR)
Upfront cash ≈ HK$24.97M (deposit + AVD stamp duty HK$2,398,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,764
−HK$9,280/mo
▼ 0.25% · 3.875%
HK$176,370
−HK$4,674/mo
Today · 4.125%
HK$181,044
baseline
▲ 0.50% · 4.625%
HK$190,587
+HK$9,543/mo
Deposit HK$22.57M · loan HK$33.85M · min. income ≈ HK$362,088/mo (50% DSR)
Upfront cash ≈ HK$24.97M (deposit + AVD stamp duty HK$2,398,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,128
−HK$11,296/mo
▼ 0.25% · 3.875%
HK$185,731
−HK$5,693/mo
Today · 4.125%
HK$191,424
baseline
▲ 0.50% · 4.625%
HK$203,072
+HK$11,648/mo
Deposit HK$16.93M · loan HK$39.50M · min. income ≈ HK$382,848/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$2,398,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,391
−HK$10,827/mo
▼ 0.25% · 3.875%
HK$205,765
−HK$5,453/mo
Today · 4.125%
HK$211,218
baseline
▲ 0.50% · 4.625%
HK$222,351
+HK$11,133/mo
Deposit HK$16.93M · loan HK$39.50M · min. income ≈ HK$422,436/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$2,398,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,594
−HK$14,523/mo
▼ 0.25% · 3.875%
HK$238,798
−HK$7,319/mo
Today · 4.125%
HK$246,117
baseline
▲ 0.50% · 4.625%
HK$261,092
+HK$14,975/mo
Deposit HK$5.64M · loan HK$50.78M · min. income ≈ HK$492,234/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$2,398,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,646
−HK$13,919/mo
▼ 0.25% · 3.875%
HK$264,556
−HK$7,009/mo
Today · 4.125%
HK$271,565
baseline
▲ 0.50% · 4.625%
HK$285,880
+HK$14,315/mo
Deposit HK$5.64M · loan HK$50.78M · min. income ≈ HK$543,130/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$2,398,057 · Scale 2, in force from 26 Feb 2026)