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$128,819
−HK$8,078/mo
▼ 0.25% · 3.875%
HK$132,826
−HK$4,071/mo
Today · 4.125%
HK$136,897
baseline
▲ 0.50% · 4.625%
HK$145,227
+HK$8,330/mo
Deposit HK$28.25M · loan HK$28.25M · min. income ≈ HK$273,794/mo (50% DSR)
Upfront cash ≈ HK$30.65M (deposit + AVD stamp duty HK$2,400,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,310
−HK$7,743/mo
▼ 0.25% · 3.875%
HK$147,154
−HK$3,899/mo
Today · 4.125%
HK$151,053
baseline
▲ 0.50% · 4.625%
HK$159,015
+HK$7,962/mo
Deposit HK$28.25M · loan HK$28.25M · min. income ≈ HK$302,106/mo (50% DSR)
Upfront cash ≈ HK$30.65M (deposit + AVD stamp duty HK$2,400,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,583
−HK$9,694/mo
▼ 0.25% · 3.875%
HK$159,392
−HK$4,885/mo
Today · 4.125%
HK$164,277
baseline
▲ 0.50% · 4.625%
HK$174,273
+HK$9,996/mo
Deposit HK$22.60M · loan HK$33.90M · min. income ≈ HK$328,554/mo (50% DSR)
Upfront cash ≈ HK$25.00M (deposit + AVD stamp duty HK$2,400,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,972
−HK$9,291/mo
▼ 0.25% · 3.875%
HK$176,584
−HK$4,679/mo
Today · 4.125%
HK$181,263
baseline
▲ 0.50% · 4.625%
HK$190,818
+HK$9,555/mo
Deposit HK$22.60M · loan HK$33.90M · min. income ≈ HK$362,526/mo (50% DSR)
Upfront cash ≈ HK$25.00M (deposit + AVD stamp duty HK$2,400,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,347
−HK$11,309/mo
▼ 0.25% · 3.875%
HK$185,957
−HK$5,699/mo
Today · 4.125%
HK$191,656
baseline
▲ 0.50% · 4.625%
HK$203,318
+HK$11,662/mo
Deposit HK$16.95M · loan HK$39.55M · min. income ≈ HK$383,312/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$2,400,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,634
−HK$10,840/mo
▼ 0.25% · 3.875%
HK$206,015
−HK$5,459/mo
Today · 4.125%
HK$211,474
baseline
▲ 0.50% · 4.625%
HK$222,621
+HK$11,147/mo
Deposit HK$16.95M · loan HK$39.55M · min. income ≈ HK$422,948/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$2,400,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,875
−HK$14,540/mo
▼ 0.25% · 3.875%
HK$239,087
−HK$7,328/mo
Today · 4.125%
HK$246,415
baseline
▲ 0.50% · 4.625%
HK$261,409
+HK$14,994/mo
Deposit HK$5.65M · loan HK$50.84M · min. income ≈ HK$492,830/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$2,400,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,958
−HK$13,937/mo
▼ 0.25% · 3.875%
HK$264,877
−HK$7,018/mo
Today · 4.125%
HK$271,895
baseline
▲ 0.50% · 4.625%
HK$286,227
+HK$14,332/mo
Deposit HK$5.65M · loan HK$50.84M · min. income ≈ HK$543,790/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$2,400,966 · Scale 2, in force from 26 Feb 2026)