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$128,719
−HK$8,072/mo
▼ 0.25% · 3.875%
HK$132,723
−HK$4,068/mo
Today · 4.125%
HK$136,791
baseline
▲ 0.50% · 4.625%
HK$145,115
+HK$8,324/mo
Deposit HK$28.22M · loan HK$28.22M · min. income ≈ HK$273,582/mo (50% DSR)
Upfront cash ≈ HK$30.62M (deposit + AVD stamp duty HK$2,399,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,199
−HK$7,737/mo
▼ 0.25% · 3.875%
HK$147,039
−HK$3,897/mo
Today · 4.125%
HK$150,936
baseline
▲ 0.50% · 4.625%
HK$158,892
+HK$7,956/mo
Deposit HK$28.22M · loan HK$28.22M · min. income ≈ HK$301,872/mo (50% DSR)
Upfront cash ≈ HK$30.62M (deposit + AVD stamp duty HK$2,399,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,463
−HK$9,686/mo
▼ 0.25% · 3.875%
HK$159,268
−HK$4,881/mo
Today · 4.125%
HK$164,149
baseline
▲ 0.50% · 4.625%
HK$174,137
+HK$9,988/mo
Deposit HK$22.58M · loan HK$33.87M · min. income ≈ HK$328,298/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$2,399,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,839
−HK$9,284/mo
▼ 0.25% · 3.875%
HK$176,447
−HK$4,676/mo
Today · 4.125%
HK$181,123
baseline
▲ 0.50% · 4.625%
HK$190,670
+HK$9,547/mo
Deposit HK$22.58M · loan HK$33.87M · min. income ≈ HK$362,246/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$2,399,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,207
−HK$11,301/mo
▼ 0.25% · 3.875%
HK$185,813
−HK$5,695/mo
Today · 4.125%
HK$191,508
baseline
▲ 0.50% · 4.625%
HK$203,160
+HK$11,652/mo
Deposit HK$16.93M · loan HK$39.51M · min. income ≈ HK$383,016/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$2,399,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,479
−HK$10,831/mo
▼ 0.25% · 3.875%
HK$205,855
−HK$5,455/mo
Today · 4.125%
HK$211,310
baseline
▲ 0.50% · 4.625%
HK$222,448
+HK$11,138/mo
Deposit HK$16.93M · loan HK$39.51M · min. income ≈ HK$422,620/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$2,399,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,695
−HK$14,529/mo
▼ 0.25% · 3.875%
HK$238,902
−HK$7,322/mo
Today · 4.125%
HK$246,224
baseline
▲ 0.50% · 4.625%
HK$261,206
+HK$14,982/mo
Deposit HK$5.64M · loan HK$50.80M · min. income ≈ HK$492,448/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$2,399,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,758
−HK$13,926/mo
▼ 0.25% · 3.875%
HK$264,671
−HK$7,013/mo
Today · 4.125%
HK$271,684
baseline
▲ 0.50% · 4.625%
HK$286,005
+HK$14,321/mo
Deposit HK$5.64M · loan HK$50.80M · min. income ≈ HK$543,368/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$2,399,104 · Scale 2, in force from 26 Feb 2026)