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$127,754
−HK$8,012/mo
▼ 0.25% · 3.875%
HK$131,728
−HK$4,038/mo
Today · 4.125%
HK$135,766
baseline
▲ 0.50% · 4.625%
HK$144,027
+HK$8,261/mo
Deposit HK$28.01M · loan HK$28.01M · min. income ≈ HK$271,532/mo (50% DSR)
Upfront cash ≈ HK$30.39M (deposit + AVD stamp duty HK$2,381,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,126
−HK$7,678/mo
▼ 0.25% · 3.875%
HK$145,937
−HK$3,867/mo
Today · 4.125%
HK$149,804
baseline
▲ 0.50% · 4.625%
HK$157,701
+HK$7,897/mo
Deposit HK$28.01M · loan HK$28.01M · min. income ≈ HK$299,608/mo (50% DSR)
Upfront cash ≈ HK$30.39M (deposit + AVD stamp duty HK$2,381,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,305
−HK$9,614/mo
▼ 0.25% · 3.875%
HK$158,074
−HK$4,845/mo
Today · 4.125%
HK$162,919
baseline
▲ 0.50% · 4.625%
HK$172,832
+HK$9,913/mo
Deposit HK$22.41M · loan HK$33.62M · min. income ≈ HK$325,838/mo (50% DSR)
Upfront cash ≈ HK$24.79M (deposit + AVD stamp duty HK$2,381,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,551
−HK$9,214/mo
▼ 0.25% · 3.875%
HK$175,125
−HK$4,640/mo
Today · 4.125%
HK$179,765
baseline
▲ 0.50% · 4.625%
HK$189,241
+HK$9,476/mo
Deposit HK$22.41M · loan HK$33.62M · min. income ≈ HK$359,530/mo (50% DSR)
Upfront cash ≈ HK$24.79M (deposit + AVD stamp duty HK$2,381,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,856
−HK$11,216/mo
▼ 0.25% · 3.875%
HK$184,420
−HK$5,652/mo
Today · 4.125%
HK$190,072
baseline
▲ 0.50% · 4.625%
HK$201,638
+HK$11,566/mo
Deposit HK$16.81M · loan HK$39.22M · min. income ≈ HK$380,144/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$2,381,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,976
−HK$10,750/mo
▼ 0.25% · 3.875%
HK$204,312
−HK$5,414/mo
Today · 4.125%
HK$209,726
baseline
▲ 0.50% · 4.625%
HK$220,781
+HK$11,055/mo
Deposit HK$16.81M · loan HK$39.22M · min. income ≈ HK$419,452/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$2,381,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,958
−HK$14,420/mo
▼ 0.25% · 3.875%
HK$237,111
−HK$7,267/mo
Today · 4.125%
HK$244,378
baseline
▲ 0.50% · 4.625%
HK$259,248
+HK$14,870/mo
Deposit HK$5.60M · loan HK$50.42M · min. income ≈ HK$488,756/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$2,381,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,826
−HK$13,821/mo
▼ 0.25% · 3.875%
HK$262,687
−HK$6,960/mo
Today · 4.125%
HK$269,647
baseline
▲ 0.50% · 4.625%
HK$283,861
+HK$14,214/mo
Deposit HK$5.60M · loan HK$50.42M · min. income ≈ HK$539,294/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$2,381,121 · Scale 2, in force from 26 Feb 2026)