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$127,419
−HK$7,991/mo
▼ 0.25% · 3.875%
HK$131,383
−HK$4,027/mo
Today · 4.125%
HK$135,410
baseline
▲ 0.50% · 4.625%
HK$143,649
+HK$8,239/mo
Deposit HK$27.94M · loan HK$27.94M · min. income ≈ HK$270,820/mo (50% DSR)
Upfront cash ≈ HK$30.31M (deposit + AVD stamp duty HK$2,374,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,753
−HK$7,658/mo
▼ 0.25% · 3.875%
HK$145,554
−HK$3,857/mo
Today · 4.125%
HK$149,411
baseline
▲ 0.50% · 4.625%
HK$157,287
+HK$7,876/mo
Deposit HK$27.94M · loan HK$27.94M · min. income ≈ HK$298,822/mo (50% DSR)
Upfront cash ≈ HK$30.31M (deposit + AVD stamp duty HK$2,374,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,903
−HK$9,589/mo
▼ 0.25% · 3.875%
HK$157,659
−HK$4,833/mo
Today · 4.125%
HK$162,492
baseline
▲ 0.50% · 4.625%
HK$172,379
+HK$9,887/mo
Deposit HK$22.35M · loan HK$33.53M · min. income ≈ HK$324,984/mo (50% DSR)
Upfront cash ≈ HK$24.73M (deposit + AVD stamp duty HK$2,374,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,103
−HK$9,190/mo
▼ 0.25% · 3.875%
HK$174,665
−HK$4,628/mo
Today · 4.125%
HK$179,293
baseline
▲ 0.50% · 4.625%
HK$188,744
+HK$9,451/mo
Deposit HK$22.35M · loan HK$33.53M · min. income ≈ HK$358,586/mo (50% DSR)
Upfront cash ≈ HK$24.73M (deposit + AVD stamp duty HK$2,374,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,387
−HK$11,187/mo
▼ 0.25% · 3.875%
HK$183,936
−HK$5,638/mo
Today · 4.125%
HK$189,574
baseline
▲ 0.50% · 4.625%
HK$201,109
+HK$11,535/mo
Deposit HK$16.76M · loan HK$39.12M · min. income ≈ HK$379,148/mo (50% DSR)
Upfront cash ≈ HK$19.14M (deposit + AVD stamp duty HK$2,374,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,454
−HK$10,722/mo
▼ 0.25% · 3.875%
HK$203,776
−HK$5,400/mo
Today · 4.125%
HK$209,176
baseline
▲ 0.50% · 4.625%
HK$220,202
+HK$11,026/mo
Deposit HK$16.76M · loan HK$39.12M · min. income ≈ HK$418,352/mo (50% DSR)
Upfront cash ≈ HK$19.14M (deposit + AVD stamp duty HK$2,374,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,355
−HK$14,382/mo
▼ 0.25% · 3.875%
HK$236,489
−HK$7,248/mo
Today · 4.125%
HK$243,737
baseline
▲ 0.50% · 4.625%
HK$258,568
+HK$14,831/mo
Deposit HK$5.59M · loan HK$50.29M · min. income ≈ HK$487,474/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$2,374,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,155
−HK$13,785/mo
▼ 0.25% · 3.875%
HK$261,998
−HK$6,942/mo
Today · 4.125%
HK$268,940
baseline
▲ 0.50% · 4.625%
HK$283,116
+HK$14,176/mo
Deposit HK$5.59M · loan HK$50.29M · min. income ≈ HK$537,880/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$2,374,875 · Scale 2, in force from 26 Feb 2026)