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$128,370
−HK$8,050/mo
▼ 0.25% · 3.875%
HK$132,363
−HK$4,057/mo
Today · 4.125%
HK$136,420
baseline
▲ 0.50% · 4.625%
HK$144,721
+HK$8,301/mo
Deposit HK$28.15M · loan HK$28.15M · min. income ≈ HK$272,840/mo (50% DSR)
Upfront cash ≈ HK$30.54M (deposit + AVD stamp duty HK$2,392,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,810
−HK$7,716/mo
▼ 0.25% · 3.875%
HK$146,640
−HK$3,886/mo
Today · 4.125%
HK$150,526
baseline
▲ 0.50% · 4.625%
HK$158,460
+HK$7,934/mo
Deposit HK$28.15M · loan HK$28.15M · min. income ≈ HK$301,052/mo (50% DSR)
Upfront cash ≈ HK$30.54M (deposit + AVD stamp duty HK$2,392,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,044
−HK$9,660/mo
▼ 0.25% · 3.875%
HK$158,835
−HK$4,869/mo
Today · 4.125%
HK$163,704
baseline
▲ 0.50% · 4.625%
HK$173,665
+HK$9,961/mo
Deposit HK$22.52M · loan HK$33.78M · min. income ≈ HK$327,408/mo (50% DSR)
Upfront cash ≈ HK$24.91M (deposit + AVD stamp duty HK$2,392,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,372
−HK$9,259/mo
▼ 0.25% · 3.875%
HK$175,968
−HK$4,663/mo
Today · 4.125%
HK$180,631
baseline
▲ 0.50% · 4.625%
HK$190,152
+HK$9,521/mo
Deposit HK$22.52M · loan HK$33.78M · min. income ≈ HK$361,262/mo (50% DSR)
Upfront cash ≈ HK$24.91M (deposit + AVD stamp duty HK$2,392,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,718
−HK$11,270/mo
▼ 0.25% · 3.875%
HK$185,308
−HK$5,680/mo
Today · 4.125%
HK$190,988
baseline
▲ 0.50% · 4.625%
HK$202,609
+HK$11,621/mo
Deposit HK$16.89M · loan HK$39.41M · min. income ≈ HK$381,976/mo (50% DSR)
Upfront cash ≈ HK$19.28M (deposit + AVD stamp duty HK$2,392,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,934
−HK$10,802/mo
▼ 0.25% · 3.875%
HK$205,296
−HK$5,440/mo
Today · 4.125%
HK$210,736
baseline
▲ 0.50% · 4.625%
HK$221,844
+HK$11,108/mo
Deposit HK$16.89M · loan HK$39.41M · min. income ≈ HK$421,472/mo (50% DSR)
Upfront cash ≈ HK$19.28M (deposit + AVD stamp duty HK$2,392,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,066
−HK$14,489/mo
▼ 0.25% · 3.875%
HK$238,253
−HK$7,302/mo
Today · 4.125%
HK$245,555
baseline
▲ 0.50% · 4.625%
HK$260,497
+HK$14,942/mo
Deposit HK$5.63M · loan HK$50.67M · min. income ≈ HK$491,110/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$2,392,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,058
−HK$13,888/mo
▼ 0.25% · 3.875%
HK$263,952
−HK$6,994/mo
Today · 4.125%
HK$270,946
baseline
▲ 0.50% · 4.625%
HK$285,228
+HK$14,282/mo
Deposit HK$5.63M · loan HK$50.67M · min. income ≈ HK$541,892/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$2,392,589 · Scale 2, in force from 26 Feb 2026)