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$127,990
−HK$8,027/mo
▼ 0.25% · 3.875%
HK$131,972
−HK$4,045/mo
Today · 4.125%
HK$136,017
baseline
▲ 0.50% · 4.625%
HK$144,293
+HK$8,276/mo
Deposit HK$28.06M · loan HK$28.06M · min. income ≈ HK$272,034/mo (50% DSR)
Upfront cash ≈ HK$30.45M (deposit + AVD stamp duty HK$2,385,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,388
−HK$7,693/mo
▼ 0.25% · 3.875%
HK$146,207
−HK$3,874/mo
Today · 4.125%
HK$150,081
baseline
▲ 0.50% · 4.625%
HK$157,992
+HK$7,911/mo
Deposit HK$28.06M · loan HK$28.06M · min. income ≈ HK$300,162/mo (50% DSR)
Upfront cash ≈ HK$30.45M (deposit + AVD stamp duty HK$2,385,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,589
−HK$9,631/mo
▼ 0.25% · 3.875%
HK$158,366
−HK$4,854/mo
Today · 4.125%
HK$163,220
baseline
▲ 0.50% · 4.625%
HK$173,151
+HK$9,931/mo
Deposit HK$22.45M · loan HK$33.68M · min. income ≈ HK$326,440/mo (50% DSR)
Upfront cash ≈ HK$24.84M (deposit + AVD stamp duty HK$2,385,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,866
−HK$9,231/mo
▼ 0.25% · 3.875%
HK$175,448
−HK$4,649/mo
Today · 4.125%
HK$180,097
baseline
▲ 0.50% · 4.625%
HK$189,590
+HK$9,493/mo
Deposit HK$22.45M · loan HK$33.68M · min. income ≈ HK$360,194/mo (50% DSR)
Upfront cash ≈ HK$24.84M (deposit + AVD stamp duty HK$2,385,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,187
−HK$11,236/mo
▼ 0.25% · 3.875%
HK$184,760
−HK$5,663/mo
Today · 4.125%
HK$190,423
baseline
▲ 0.50% · 4.625%
HK$202,010
+HK$11,587/mo
Deposit HK$16.84M · loan HK$39.29M · min. income ≈ HK$380,846/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$2,385,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,343
−HK$10,770/mo
▼ 0.25% · 3.875%
HK$204,690
−HK$5,423/mo
Today · 4.125%
HK$210,113
baseline
▲ 0.50% · 4.625%
HK$221,189
+HK$11,076/mo
Deposit HK$16.84M · loan HK$39.29M · min. income ≈ HK$420,226/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$2,385,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,383
−HK$14,447/mo
▼ 0.25% · 3.875%
HK$237,549
−HK$7,281/mo
Today · 4.125%
HK$244,830
baseline
▲ 0.50% · 4.625%
HK$259,727
+HK$14,897/mo
Deposit HK$5.61M · loan HK$50.52M · min. income ≈ HK$489,660/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$2,385,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,299
−HK$13,847/mo
▼ 0.25% · 3.875%
HK$263,172
−HK$6,974/mo
Today · 4.125%
HK$270,146
baseline
▲ 0.50% · 4.625%
HK$284,385
+HK$14,239/mo
Deposit HK$5.61M · loan HK$50.52M · min. income ≈ HK$540,292/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$2,385,519 · Scale 2, in force from 26 Feb 2026)