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$127,836
−HK$8,016/mo
▼ 0.25% · 3.875%
HK$131,812
−HK$4,040/mo
Today · 4.125%
HK$135,852
baseline
▲ 0.50% · 4.625%
HK$144,118
+HK$8,266/mo
Deposit HK$28.03M · loan HK$28.03M · min. income ≈ HK$271,704/mo (50% DSR)
Upfront cash ≈ HK$30.41M (deposit + AVD stamp duty HK$2,382,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,216
−HK$7,683/mo
▼ 0.25% · 3.875%
HK$146,030
−HK$3,869/mo
Today · 4.125%
HK$149,899
baseline
▲ 0.50% · 4.625%
HK$157,801
+HK$7,902/mo
Deposit HK$28.03M · loan HK$28.03M · min. income ≈ HK$299,798/mo (50% DSR)
Upfront cash ≈ HK$30.41M (deposit + AVD stamp duty HK$2,382,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,403
−HK$9,619/mo
▼ 0.25% · 3.875%
HK$158,174
−HK$4,848/mo
Today · 4.125%
HK$163,022
baseline
▲ 0.50% · 4.625%
HK$172,942
+HK$9,920/mo
Deposit HK$22.42M · loan HK$33.64M · min. income ≈ HK$326,044/mo (50% DSR)
Upfront cash ≈ HK$24.81M (deposit + AVD stamp duty HK$2,382,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,659
−HK$9,220/mo
▼ 0.25% · 3.875%
HK$175,236
−HK$4,643/mo
Today · 4.125%
HK$179,879
baseline
▲ 0.50% · 4.625%
HK$189,361
+HK$9,482/mo
Deposit HK$22.42M · loan HK$33.64M · min. income ≈ HK$359,758/mo (50% DSR)
Upfront cash ≈ HK$24.81M (deposit + AVD stamp duty HK$2,382,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,970
−HK$11,223/mo
▼ 0.25% · 3.875%
HK$184,537
−HK$5,656/mo
Today · 4.125%
HK$190,193
baseline
▲ 0.50% · 4.625%
HK$201,766
+HK$11,573/mo
Deposit HK$16.82M · loan HK$39.24M · min. income ≈ HK$380,386/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$2,382,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,102
−HK$10,757/mo
▼ 0.25% · 3.875%
HK$204,442
−HK$5,417/mo
Today · 4.125%
HK$209,859
baseline
▲ 0.50% · 4.625%
HK$220,921
+HK$11,062/mo
Deposit HK$16.82M · loan HK$39.24M · min. income ≈ HK$419,718/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$2,382,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,104
−HK$14,430/mo
▼ 0.25% · 3.875%
HK$237,262
−HK$7,272/mo
Today · 4.125%
HK$244,534
baseline
▲ 0.50% · 4.625%
HK$259,413
+HK$14,879/mo
Deposit HK$5.61M · loan HK$50.46M · min. income ≈ HK$489,068/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$2,382,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,988
−HK$13,831/mo
▼ 0.25% · 3.875%
HK$262,854
−HK$6,965/mo
Today · 4.125%
HK$269,819
baseline
▲ 0.50% · 4.625%
HK$284,041
+HK$14,222/mo
Deposit HK$5.61M · loan HK$50.46M · min. income ≈ HK$539,638/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$2,382,632 · Scale 2, in force from 26 Feb 2026)