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$128,610
−HK$8,065/mo
▼ 0.25% · 3.875%
HK$132,610
−HK$4,065/mo
Today · 4.125%
HK$136,675
baseline
▲ 0.50% · 4.625%
HK$144,991
+HK$8,316/mo
Deposit HK$28.20M · loan HK$28.20M · min. income ≈ HK$273,350/mo (50% DSR)
Upfront cash ≈ HK$30.60M (deposit + AVD stamp duty HK$2,397,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,077
−HK$7,730/mo
▼ 0.25% · 3.875%
HK$146,914
−HK$3,893/mo
Today · 4.125%
HK$150,807
baseline
▲ 0.50% · 4.625%
HK$158,756
+HK$7,949/mo
Deposit HK$28.20M · loan HK$28.20M · min. income ≈ HK$301,614/mo (50% DSR)
Upfront cash ≈ HK$30.60M (deposit + AVD stamp duty HK$2,397,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,331
−HK$9,678/mo
▼ 0.25% · 3.875%
HK$159,132
−HK$4,877/mo
Today · 4.125%
HK$164,009
baseline
▲ 0.50% · 4.625%
HK$173,989
+HK$9,980/mo
Deposit HK$22.56M · loan HK$33.84M · min. income ≈ HK$328,018/mo (50% DSR)
Upfront cash ≈ HK$24.96M (deposit + AVD stamp duty HK$2,397,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,692
−HK$9,276/mo
▼ 0.25% · 3.875%
HK$176,297
−HK$4,671/mo
Today · 4.125%
HK$180,968
baseline
▲ 0.50% · 4.625%
HK$190,507
+HK$9,539/mo
Deposit HK$22.56M · loan HK$33.84M · min. income ≈ HK$361,936/mo (50% DSR)
Upfront cash ≈ HK$24.96M (deposit + AVD stamp duty HK$2,397,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,053
−HK$11,291/mo
▼ 0.25% · 3.875%
HK$185,654
−HK$5,690/mo
Today · 4.125%
HK$191,344
baseline
▲ 0.50% · 4.625%
HK$202,987
+HK$11,643/mo
Deposit HK$16.92M · loan HK$39.48M · min. income ≈ HK$382,688/mo (50% DSR)
Upfront cash ≈ HK$19.32M (deposit + AVD stamp duty HK$2,397,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,308
−HK$10,822/mo
▼ 0.25% · 3.875%
HK$205,680
−HK$5,450/mo
Today · 4.125%
HK$211,130
baseline
▲ 0.50% · 4.625%
HK$222,259
+HK$11,129/mo
Deposit HK$16.92M · loan HK$39.48M · min. income ≈ HK$422,260/mo (50% DSR)
Upfront cash ≈ HK$19.32M (deposit + AVD stamp duty HK$2,397,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,497
−HK$14,517/mo
▼ 0.25% · 3.875%
HK$238,698
−HK$7,316/mo
Today · 4.125%
HK$246,014
baseline
▲ 0.50% · 4.625%
HK$260,984
+HK$14,970/mo
Deposit HK$5.64M · loan HK$50.76M · min. income ≈ HK$492,028/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$2,397,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,538
−HK$13,914/mo
▼ 0.25% · 3.875%
HK$264,445
−HK$7,007/mo
Today · 4.125%
HK$271,452
baseline
▲ 0.50% · 4.625%
HK$285,761
+HK$14,309/mo
Deposit HK$5.64M · loan HK$50.76M · min. income ≈ HK$542,904/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$2,397,059 · Scale 2, in force from 26 Feb 2026)