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$128,255
−HK$8,043/mo
▼ 0.25% · 3.875%
HK$132,245
−HK$4,053/mo
Today · 4.125%
HK$136,298
baseline
▲ 0.50% · 4.625%
HK$144,591
+HK$8,293/mo
Deposit HK$28.12M · loan HK$28.12M · min. income ≈ HK$272,596/mo (50% DSR)
Upfront cash ≈ HK$30.51M (deposit + AVD stamp duty HK$2,390,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,682
−HK$7,709/mo
▼ 0.25% · 3.875%
HK$146,509
−HK$3,882/mo
Today · 4.125%
HK$150,391
baseline
▲ 0.50% · 4.625%
HK$158,319
+HK$7,928/mo
Deposit HK$28.12M · loan HK$28.12M · min. income ≈ HK$300,782/mo (50% DSR)
Upfront cash ≈ HK$30.51M (deposit + AVD stamp duty HK$2,390,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,906
−HK$9,651/mo
▼ 0.25% · 3.875%
HK$158,693
−HK$4,864/mo
Today · 4.125%
HK$163,557
baseline
▲ 0.50% · 4.625%
HK$173,509
+HK$9,952/mo
Deposit HK$22.50M · loan HK$33.75M · min. income ≈ HK$327,114/mo (50% DSR)
Upfront cash ≈ HK$24.89M (deposit + AVD stamp duty HK$2,390,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,219
−HK$9,250/mo
▼ 0.25% · 3.875%
HK$175,811
−HK$4,658/mo
Today · 4.125%
HK$180,469
baseline
▲ 0.50% · 4.625%
HK$189,982
+HK$9,513/mo
Deposit HK$22.50M · loan HK$33.75M · min. income ≈ HK$360,938/mo (50% DSR)
Upfront cash ≈ HK$24.89M (deposit + AVD stamp duty HK$2,390,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,557
−HK$11,260/mo
▼ 0.25% · 3.875%
HK$185,142
−HK$5,675/mo
Today · 4.125%
HK$190,817
baseline
▲ 0.50% · 4.625%
HK$202,428
+HK$11,611/mo
Deposit HK$16.87M · loan HK$39.37M · min. income ≈ HK$381,634/mo (50% DSR)
Upfront cash ≈ HK$19.26M (deposit + AVD stamp duty HK$2,390,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,755
−HK$10,793/mo
▼ 0.25% · 3.875%
HK$205,113
−HK$5,435/mo
Today · 4.125%
HK$210,548
baseline
▲ 0.50% · 4.625%
HK$221,646
+HK$11,098/mo
Deposit HK$16.87M · loan HK$39.37M · min. income ≈ HK$421,096/mo (50% DSR)
Upfront cash ≈ HK$19.26M (deposit + AVD stamp duty HK$2,390,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,859
−HK$14,477/mo
▼ 0.25% · 3.875%
HK$238,040
−HK$7,296/mo
Today · 4.125%
HK$245,336
baseline
▲ 0.50% · 4.625%
HK$260,264
+HK$14,928/mo
Deposit HK$5.62M · loan HK$50.62M · min. income ≈ HK$490,672/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$2,390,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,828
−HK$13,876/mo
▼ 0.25% · 3.875%
HK$263,716
−HK$6,988/mo
Today · 4.125%
HK$270,704
baseline
▲ 0.50% · 4.625%
HK$284,973
+HK$14,269/mo
Deposit HK$5.62M · loan HK$50.62M · min. income ≈ HK$541,408/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$2,390,451 · Scale 2, in force from 26 Feb 2026)