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$128,031
−HK$8,029/mo
▼ 0.25% · 3.875%
HK$132,013
−HK$4,047/mo
Today · 4.125%
HK$136,060
baseline
▲ 0.50% · 4.625%
HK$144,339
+HK$8,279/mo
Deposit HK$28.07M · loan HK$28.07M · min. income ≈ HK$272,120/mo (50% DSR)
Upfront cash ≈ HK$30.46M (deposit + AVD stamp duty HK$2,386,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,433
−HK$7,695/mo
▼ 0.25% · 3.875%
HK$146,253
−HK$3,875/mo
Today · 4.125%
HK$150,128
baseline
▲ 0.50% · 4.625%
HK$158,042
+HK$7,914/mo
Deposit HK$28.07M · loan HK$28.07M · min. income ≈ HK$300,256/mo (50% DSR)
Upfront cash ≈ HK$30.46M (deposit + AVD stamp duty HK$2,386,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,637
−HK$9,635/mo
▼ 0.25% · 3.875%
HK$158,416
−HK$4,856/mo
Today · 4.125%
HK$163,272
baseline
▲ 0.50% · 4.625%
HK$173,206
+HK$9,934/mo
Deposit HK$22.46M · loan HK$33.69M · min. income ≈ HK$326,544/mo (50% DSR)
Upfront cash ≈ HK$24.85M (deposit + AVD stamp duty HK$2,386,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,920
−HK$9,234/mo
▼ 0.25% · 3.875%
HK$175,504
−HK$4,650/mo
Today · 4.125%
HK$180,154
baseline
▲ 0.50% · 4.625%
HK$189,650
+HK$9,496/mo
Deposit HK$22.46M · loan HK$33.69M · min. income ≈ HK$360,308/mo (50% DSR)
Upfront cash ≈ HK$24.85M (deposit + AVD stamp duty HK$2,386,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,243
−HK$11,240/mo
▼ 0.25% · 3.875%
HK$184,819
−HK$5,664/mo
Today · 4.125%
HK$190,483
baseline
▲ 0.50% · 4.625%
HK$202,074
+HK$11,591/mo
Deposit HK$16.84M · loan HK$39.30M · min. income ≈ HK$380,966/mo (50% DSR)
Upfront cash ≈ HK$19.23M (deposit + AVD stamp duty HK$2,386,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,406
−HK$10,774/mo
▼ 0.25% · 3.875%
HK$204,754
−HK$5,426/mo
Today · 4.125%
HK$210,180
baseline
▲ 0.50% · 4.625%
HK$221,259
+HK$11,079/mo
Deposit HK$16.84M · loan HK$39.30M · min. income ≈ HK$420,360/mo (50% DSR)
Upfront cash ≈ HK$19.23M (deposit + AVD stamp duty HK$2,386,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,456
−HK$14,451/mo
▼ 0.25% · 3.875%
HK$237,624
−HK$7,283/mo
Today · 4.125%
HK$244,907
baseline
▲ 0.50% · 4.625%
HK$259,809
+HK$14,902/mo
Deposit HK$5.61M · loan HK$50.53M · min. income ≈ HK$489,814/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$2,386,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,380
−HK$13,851/mo
▼ 0.25% · 3.875%
HK$263,256
−HK$6,975/mo
Today · 4.125%
HK$270,231
baseline
▲ 0.50% · 4.625%
HK$284,475
+HK$14,244/mo
Deposit HK$5.61M · loan HK$50.53M · min. income ≈ HK$540,462/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$2,386,274 · Scale 2, in force from 26 Feb 2026)