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$127,857
−HK$8,018/mo
▼ 0.25% · 3.875%
HK$131,835
−HK$4,040/mo
Today · 4.125%
HK$135,875
baseline
▲ 0.50% · 4.625%
HK$144,143
+HK$8,268/mo
Deposit HK$28.04M · loan HK$28.04M · min. income ≈ HK$271,750/mo (50% DSR)
Upfront cash ≈ HK$30.42M (deposit + AVD stamp duty HK$2,383,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,240
−HK$7,685/mo
▼ 0.25% · 3.875%
HK$146,055
−HK$3,870/mo
Today · 4.125%
HK$149,925
baseline
▲ 0.50% · 4.625%
HK$157,828
+HK$7,903/mo
Deposit HK$28.04M · loan HK$28.04M · min. income ≈ HK$299,850/mo (50% DSR)
Upfront cash ≈ HK$30.42M (deposit + AVD stamp duty HK$2,383,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,429
−HK$9,621/mo
▼ 0.25% · 3.875%
HK$158,201
−HK$4,849/mo
Today · 4.125%
HK$163,050
baseline
▲ 0.50% · 4.625%
HK$172,971
+HK$9,921/mo
Deposit HK$22.43M · loan HK$33.64M · min. income ≈ HK$326,100/mo (50% DSR)
Upfront cash ≈ HK$24.81M (deposit + AVD stamp duty HK$2,383,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,688
−HK$9,222/mo
▼ 0.25% · 3.875%
HK$175,266
−HK$4,644/mo
Today · 4.125%
HK$179,910
baseline
▲ 0.50% · 4.625%
HK$189,393
+HK$9,483/mo
Deposit HK$22.43M · loan HK$33.64M · min. income ≈ HK$359,820/mo (50% DSR)
Upfront cash ≈ HK$24.81M (deposit + AVD stamp duty HK$2,383,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,000
−HK$11,225/mo
▼ 0.25% · 3.875%
HK$184,568
−HK$5,657/mo
Today · 4.125%
HK$190,225
baseline
▲ 0.50% · 4.625%
HK$201,800
+HK$11,575/mo
Deposit HK$16.82M · loan HK$39.25M · min. income ≈ HK$380,450/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$2,383,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,136
−HK$10,759/mo
▼ 0.25% · 3.875%
HK$204,477
−HK$5,418/mo
Today · 4.125%
HK$209,895
baseline
▲ 0.50% · 4.625%
HK$220,959
+HK$11,064/mo
Deposit HK$16.82M · loan HK$39.25M · min. income ≈ HK$419,790/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$2,383,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,143
−HK$14,432/mo
▼ 0.25% · 3.875%
HK$237,302
−HK$7,273/mo
Today · 4.125%
HK$244,575
baseline
▲ 0.50% · 4.625%
HK$259,457
+HK$14,882/mo
Deposit HK$5.61M · loan HK$50.46M · min. income ≈ HK$489,150/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$2,383,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,032
−HK$13,833/mo
▼ 0.25% · 3.875%
HK$262,899
−HK$6,966/mo
Today · 4.125%
HK$269,865
baseline
▲ 0.50% · 4.625%
HK$284,090
+HK$14,225/mo
Deposit HK$5.61M · loan HK$50.46M · min. income ≈ HK$539,730/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$2,383,040 · Scale 2, in force from 26 Feb 2026)