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$128,206
−HK$8,040/mo
▼ 0.25% · 3.875%
HK$132,194
−HK$4,052/mo
Today · 4.125%
HK$136,246
baseline
▲ 0.50% · 4.625%
HK$144,536
+HK$8,290/mo
Deposit HK$28.11M · loan HK$28.11M · min. income ≈ HK$272,492/mo (50% DSR)
Upfront cash ≈ HK$30.50M (deposit + AVD stamp duty HK$2,389,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,628
−HK$7,706/mo
▼ 0.25% · 3.875%
HK$146,453
−HK$3,881/mo
Today · 4.125%
HK$150,334
baseline
▲ 0.50% · 4.625%
HK$158,258
+HK$7,924/mo
Deposit HK$28.11M · loan HK$28.11M · min. income ≈ HK$300,668/mo (50% DSR)
Upfront cash ≈ HK$30.50M (deposit + AVD stamp duty HK$2,389,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,847
−HK$9,648/mo
▼ 0.25% · 3.875%
HK$158,633
−HK$4,862/mo
Today · 4.125%
HK$163,495
baseline
▲ 0.50% · 4.625%
HK$173,443
+HK$9,948/mo
Deposit HK$22.49M · loan HK$33.73M · min. income ≈ HK$326,990/mo (50% DSR)
Upfront cash ≈ HK$24.88M (deposit + AVD stamp duty HK$2,389,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,154
−HK$9,247/mo
▼ 0.25% · 3.875%
HK$175,744
−HK$4,657/mo
Today · 4.125%
HK$180,401
baseline
▲ 0.50% · 4.625%
HK$189,910
+HK$9,509/mo
Deposit HK$22.49M · loan HK$33.73M · min. income ≈ HK$360,802/mo (50% DSR)
Upfront cash ≈ HK$24.88M (deposit + AVD stamp duty HK$2,389,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,489
−HK$11,255/mo
▼ 0.25% · 3.875%
HK$185,072
−HK$5,672/mo
Today · 4.125%
HK$190,744
baseline
▲ 0.50% · 4.625%
HK$202,351
+HK$11,607/mo
Deposit HK$16.87M · loan HK$39.36M · min. income ≈ HK$381,488/mo (50% DSR)
Upfront cash ≈ HK$19.26M (deposit + AVD stamp duty HK$2,389,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,679
−HK$10,788/mo
▼ 0.25% · 3.875%
HK$205,035
−HK$5,432/mo
Today · 4.125%
HK$210,467
baseline
▲ 0.50% · 4.625%
HK$221,561
+HK$11,094/mo
Deposit HK$16.87M · loan HK$39.36M · min. income ≈ HK$420,934/mo (50% DSR)
Upfront cash ≈ HK$19.26M (deposit + AVD stamp duty HK$2,389,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,771
−HK$14,472/mo
▼ 0.25% · 3.875%
HK$237,950
−HK$7,293/mo
Today · 4.125%
HK$245,243
baseline
▲ 0.50% · 4.625%
HK$260,165
+HK$14,922/mo
Deposit HK$5.62M · loan HK$50.60M · min. income ≈ HK$490,486/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$2,389,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,731
−HK$13,870/mo
▼ 0.25% · 3.875%
HK$263,616
−HK$6,985/mo
Today · 4.125%
HK$270,601
baseline
▲ 0.50% · 4.625%
HK$284,865
+HK$14,264/mo
Deposit HK$5.62M · loan HK$50.60M · min. income ≈ HK$541,202/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$2,389,541 · Scale 2, in force from 26 Feb 2026)