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$127,733
−HK$8,009/mo
▼ 0.25% · 3.875%
HK$131,706
−HK$4,036/mo
Today · 4.125%
HK$135,742
baseline
▲ 0.50% · 4.625%
HK$144,002
+HK$8,260/mo
Deposit HK$28.01M · loan HK$28.01M · min. income ≈ HK$271,484/mo (50% DSR)
Upfront cash ≈ HK$30.39M (deposit + AVD stamp duty HK$2,380,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,101
−HK$7,677/mo
▼ 0.25% · 3.875%
HK$145,912
−HK$3,866/mo
Today · 4.125%
HK$149,778
baseline
▲ 0.50% · 4.625%
HK$157,673
+HK$7,895/mo
Deposit HK$28.01M · loan HK$28.01M · min. income ≈ HK$299,556/mo (50% DSR)
Upfront cash ≈ HK$30.39M (deposit + AVD stamp duty HK$2,380,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,279
−HK$9,612/mo
▼ 0.25% · 3.875%
HK$158,047
−HK$4,844/mo
Today · 4.125%
HK$162,891
baseline
▲ 0.50% · 4.625%
HK$172,802
+HK$9,911/mo
Deposit HK$22.41M · loan HK$33.61M · min. income ≈ HK$325,782/mo (50% DSR)
Upfront cash ≈ HK$24.79M (deposit + AVD stamp duty HK$2,380,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,521
−HK$9,213/mo
▼ 0.25% · 3.875%
HK$175,095
−HK$4,639/mo
Today · 4.125%
HK$179,734
baseline
▲ 0.50% · 4.625%
HK$189,208
+HK$9,474/mo
Deposit HK$22.41M · loan HK$33.61M · min. income ≈ HK$359,468/mo (50% DSR)
Upfront cash ≈ HK$24.79M (deposit + AVD stamp duty HK$2,380,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,826
−HK$11,213/mo
▼ 0.25% · 3.875%
HK$184,388
−HK$5,651/mo
Today · 4.125%
HK$190,039
baseline
▲ 0.50% · 4.625%
HK$201,603
+HK$11,564/mo
Deposit HK$16.81M · loan HK$39.21M · min. income ≈ HK$380,078/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$2,380,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,942
−HK$10,748/mo
▼ 0.25% · 3.875%
HK$204,277
−HK$5,413/mo
Today · 4.125%
HK$209,690
baseline
▲ 0.50% · 4.625%
HK$220,743
+HK$11,053/mo
Deposit HK$16.81M · loan HK$39.21M · min. income ≈ HK$419,380/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$2,380,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,919
−HK$14,417/mo
▼ 0.25% · 3.875%
HK$237,070
−HK$7,266/mo
Today · 4.125%
HK$244,336
baseline
▲ 0.50% · 4.625%
HK$259,204
+HK$14,868/mo
Deposit HK$5.60M · loan HK$50.42M · min. income ≈ HK$488,672/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$2,380,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,782
−HK$13,819/mo
▼ 0.25% · 3.875%
HK$262,642
−HK$6,959/mo
Today · 4.125%
HK$269,601
baseline
▲ 0.50% · 4.625%
HK$283,812
+HK$14,211/mo
Deposit HK$5.60M · loan HK$50.42M · min. income ≈ HK$539,202/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$2,380,711 · Scale 2, in force from 26 Feb 2026)