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$128,769
−HK$8,075/mo
▼ 0.25% · 3.875%
HK$132,774
−HK$4,070/mo
Today · 4.125%
HK$136,844
baseline
▲ 0.50% · 4.625%
HK$145,170
+HK$8,326/mo
Deposit HK$28.24M · loan HK$28.24M · min. income ≈ HK$273,688/mo (50% DSR)
Upfront cash ≈ HK$30.64M (deposit + AVD stamp duty HK$2,400,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,254
−HK$7,739/mo
▼ 0.25% · 3.875%
HK$147,096
−HK$3,897/mo
Today · 4.125%
HK$150,993
baseline
▲ 0.50% · 4.625%
HK$158,953
+HK$7,960/mo
Deposit HK$28.24M · loan HK$28.24M · min. income ≈ HK$301,986/mo (50% DSR)
Upfront cash ≈ HK$30.64M (deposit + AVD stamp duty HK$2,400,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,522
−HK$9,690/mo
▼ 0.25% · 3.875%
HK$159,329
−HK$4,883/mo
Today · 4.125%
HK$164,212
baseline
▲ 0.50% · 4.625%
HK$174,204
+HK$9,992/mo
Deposit HK$22.59M · loan HK$33.88M · min. income ≈ HK$328,424/mo (50% DSR)
Upfront cash ≈ HK$24.99M (deposit + AVD stamp duty HK$2,400,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,905
−HK$9,287/mo
▼ 0.25% · 3.875%
HK$176,515
−HK$4,677/mo
Today · 4.125%
HK$181,192
baseline
▲ 0.50% · 4.625%
HK$190,743
+HK$9,551/mo
Deposit HK$22.59M · loan HK$33.88M · min. income ≈ HK$362,384/mo (50% DSR)
Upfront cash ≈ HK$24.99M (deposit + AVD stamp duty HK$2,400,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,276
−HK$11,305/mo
▼ 0.25% · 3.875%
HK$185,884
−HK$5,697/mo
Today · 4.125%
HK$191,581
baseline
▲ 0.50% · 4.625%
HK$203,238
+HK$11,657/mo
Deposit HK$16.94M · loan HK$39.53M · min. income ≈ HK$383,162/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$2,400,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,555
−HK$10,836/mo
▼ 0.25% · 3.875%
HK$205,934
−HK$5,457/mo
Today · 4.125%
HK$211,391
baseline
▲ 0.50% · 4.625%
HK$222,534
+HK$11,143/mo
Deposit HK$16.94M · loan HK$39.53M · min. income ≈ HK$422,782/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$2,400,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,784
−HK$14,535/mo
▼ 0.25% · 3.875%
HK$238,993
−HK$7,326/mo
Today · 4.125%
HK$246,319
baseline
▲ 0.50% · 4.625%
HK$261,306
+HK$14,987/mo
Deposit HK$5.65M · loan HK$50.82M · min. income ≈ HK$492,638/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$2,400,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,857
−HK$13,931/mo
▼ 0.25% · 3.875%
HK$264,773
−HK$7,015/mo
Today · 4.125%
HK$271,788
baseline
▲ 0.50% · 4.625%
HK$286,115
+HK$14,327/mo
Deposit HK$5.65M · loan HK$50.82M · min. income ≈ HK$543,576/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$2,400,024 · Scale 2, in force from 26 Feb 2026)