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$128,381
−HK$8,050/mo
▼ 0.25% · 3.875%
HK$132,374
−HK$4,057/mo
Today · 4.125%
HK$136,431
baseline
▲ 0.50% · 4.625%
HK$144,733
+HK$8,302/mo
Deposit HK$28.15M · loan HK$28.15M · min. income ≈ HK$272,862/mo (50% DSR)
Upfront cash ≈ HK$30.54M (deposit + AVD stamp duty HK$2,392,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,822
−HK$7,717/mo
▼ 0.25% · 3.875%
HK$146,653
−HK$3,886/mo
Today · 4.125%
HK$150,539
baseline
▲ 0.50% · 4.625%
HK$158,474
+HK$7,935/mo
Deposit HK$28.15M · loan HK$28.15M · min. income ≈ HK$301,078/mo (50% DSR)
Upfront cash ≈ HK$30.54M (deposit + AVD stamp duty HK$2,392,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,057
−HK$9,661/mo
▼ 0.25% · 3.875%
HK$158,849
−HK$4,869/mo
Today · 4.125%
HK$163,718
baseline
▲ 0.50% · 4.625%
HK$173,679
+HK$9,961/mo
Deposit HK$22.52M · loan HK$33.78M · min. income ≈ HK$327,436/mo (50% DSR)
Upfront cash ≈ HK$24.91M (deposit + AVD stamp duty HK$2,392,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,387
−HK$9,259/mo
▼ 0.25% · 3.875%
HK$175,983
−HK$4,663/mo
Today · 4.125%
HK$180,646
baseline
▲ 0.50% · 4.625%
HK$190,168
+HK$9,522/mo
Deposit HK$22.52M · loan HK$33.78M · min. income ≈ HK$361,292/mo (50% DSR)
Upfront cash ≈ HK$24.91M (deposit + AVD stamp duty HK$2,392,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,733
−HK$11,271/mo
▼ 0.25% · 3.875%
HK$185,324
−HK$5,680/mo
Today · 4.125%
HK$191,004
baseline
▲ 0.50% · 4.625%
HK$202,626
+HK$11,622/mo
Deposit HK$16.89M · loan HK$39.41M · min. income ≈ HK$382,008/mo (50% DSR)
Upfront cash ≈ HK$19.28M (deposit + AVD stamp duty HK$2,392,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,951
−HK$10,803/mo
▼ 0.25% · 3.875%
HK$205,314
−HK$5,440/mo
Today · 4.125%
HK$210,754
baseline
▲ 0.50% · 4.625%
HK$221,863
+HK$11,109/mo
Deposit HK$16.89M · loan HK$39.41M · min. income ≈ HK$421,508/mo (50% DSR)
Upfront cash ≈ HK$19.28M (deposit + AVD stamp duty HK$2,392,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,085
−HK$14,491/mo
▼ 0.25% · 3.875%
HK$238,273
−HK$7,303/mo
Today · 4.125%
HK$245,576
baseline
▲ 0.50% · 4.625%
HK$260,519
+HK$14,943/mo
Deposit HK$5.63M · loan HK$50.67M · min. income ≈ HK$491,152/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$2,392,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,080
−HK$13,889/mo
▼ 0.25% · 3.875%
HK$263,975
−HK$6,994/mo
Today · 4.125%
HK$270,969
baseline
▲ 0.50% · 4.625%
HK$285,253
+HK$14,284/mo
Deposit HK$5.63M · loan HK$50.67M · min. income ≈ HK$541,938/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$2,392,794 · Scale 2, in force from 26 Feb 2026)