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$127,775
−HK$8,013/mo
▼ 0.25% · 3.875%
HK$131,750
−HK$4,038/mo
Today · 4.125%
HK$135,788
baseline
▲ 0.50% · 4.625%
HK$144,050
+HK$8,262/mo
Deposit HK$28.02M · loan HK$28.02M · min. income ≈ HK$271,576/mo (50% DSR)
Upfront cash ≈ HK$30.40M (deposit + AVD stamp duty HK$2,381,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,148
−HK$7,680/mo
▼ 0.25% · 3.875%
HK$145,961
−HK$3,867/mo
Today · 4.125%
HK$149,828
baseline
▲ 0.50% · 4.625%
HK$157,726
+HK$7,898/mo
Deposit HK$28.02M · loan HK$28.02M · min. income ≈ HK$299,656/mo (50% DSR)
Upfront cash ≈ HK$30.40M (deposit + AVD stamp duty HK$2,381,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,330
−HK$9,615/mo
▼ 0.25% · 3.875%
HK$158,100
−HK$4,845/mo
Today · 4.125%
HK$162,945
baseline
▲ 0.50% · 4.625%
HK$172,860
+HK$9,915/mo
Deposit HK$22.41M · loan HK$33.62M · min. income ≈ HK$325,890/mo (50% DSR)
Upfront cash ≈ HK$24.80M (deposit + AVD stamp duty HK$2,381,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,578
−HK$9,216/mo
▼ 0.25% · 3.875%
HK$175,153
−HK$4,641/mo
Today · 4.125%
HK$179,794
baseline
▲ 0.50% · 4.625%
HK$189,271
+HK$9,477/mo
Deposit HK$22.41M · loan HK$33.62M · min. income ≈ HK$359,588/mo (50% DSR)
Upfront cash ≈ HK$24.80M (deposit + AVD stamp duty HK$2,381,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,885
−HK$11,218/mo
▼ 0.25% · 3.875%
HK$184,449
−HK$5,654/mo
Today · 4.125%
HK$190,103
baseline
▲ 0.50% · 4.625%
HK$201,670
+HK$11,567/mo
Deposit HK$16.81M · loan HK$39.22M · min. income ≈ HK$380,206/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$2,381,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,008
−HK$10,752/mo
▼ 0.25% · 3.875%
HK$204,345
−HK$5,415/mo
Today · 4.125%
HK$209,760
baseline
▲ 0.50% · 4.625%
HK$220,816
+HK$11,056/mo
Deposit HK$16.81M · loan HK$39.22M · min. income ≈ HK$419,520/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$2,381,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,995
−HK$14,423/mo
▼ 0.25% · 3.875%
HK$237,149
−HK$7,269/mo
Today · 4.125%
HK$244,418
baseline
▲ 0.50% · 4.625%
HK$259,290
+HK$14,872/mo
Deposit HK$5.60M · loan HK$50.43M · min. income ≈ HK$488,836/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$2,381,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,867
−HK$13,824/mo
▼ 0.25% · 3.875%
HK$262,730
−HK$6,961/mo
Today · 4.125%
HK$269,691
baseline
▲ 0.50% · 4.625%
HK$283,907
+HK$14,216/mo
Deposit HK$5.60M · loan HK$50.43M · min. income ≈ HK$539,382/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$2,381,505 · Scale 2, in force from 26 Feb 2026)