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$128,886
−HK$8,083/mo
▼ 0.25% · 3.875%
HK$132,895
−HK$4,074/mo
Today · 4.125%
HK$136,969
baseline
▲ 0.50% · 4.625%
HK$145,303
+HK$8,334/mo
Deposit HK$28.26M · loan HK$28.26M · min. income ≈ HK$273,938/mo (50% DSR)
Upfront cash ≈ HK$30.66M (deposit + AVD stamp duty HK$2,402,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,385
−HK$7,746/mo
▼ 0.25% · 3.875%
HK$147,230
−HK$3,901/mo
Today · 4.125%
HK$151,131
baseline
▲ 0.50% · 4.625%
HK$159,098
+HK$7,967/mo
Deposit HK$28.26M · loan HK$28.26M · min. income ≈ HK$302,262/mo (50% DSR)
Upfront cash ≈ HK$30.66M (deposit + AVD stamp duty HK$2,402,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,664
−HK$9,698/mo
▼ 0.25% · 3.875%
HK$159,474
−HK$4,888/mo
Today · 4.125%
HK$164,362
baseline
▲ 0.50% · 4.625%
HK$174,363
+HK$10,001/mo
Deposit HK$22.61M · loan HK$33.91M · min. income ≈ HK$328,724/mo (50% DSR)
Upfront cash ≈ HK$25.01M (deposit + AVD stamp duty HK$2,402,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,062
−HK$9,296/mo
▼ 0.25% · 3.875%
HK$176,676
−HK$4,682/mo
Today · 4.125%
HK$181,358
baseline
▲ 0.50% · 4.625%
HK$190,917
+HK$9,559/mo
Deposit HK$22.61M · loan HK$33.91M · min. income ≈ HK$362,716/mo (50% DSR)
Upfront cash ≈ HK$25.01M (deposit + AVD stamp duty HK$2,402,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,441
−HK$11,315/mo
▼ 0.25% · 3.875%
HK$186,054
−HK$5,702/mo
Today · 4.125%
HK$191,756
baseline
▲ 0.50% · 4.625%
HK$203,424
+HK$11,668/mo
Deposit HK$16.96M · loan HK$39.57M · min. income ≈ HK$383,512/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$2,402,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,739
−HK$10,845/mo
▼ 0.25% · 3.875%
HK$206,122
−HK$5,462/mo
Today · 4.125%
HK$211,584
baseline
▲ 0.50% · 4.625%
HK$222,737
+HK$11,153/mo
Deposit HK$16.96M · loan HK$39.57M · min. income ≈ HK$423,168/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$2,402,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,995
−HK$14,548/mo
▼ 0.25% · 3.875%
HK$239,212
−HK$7,331/mo
Today · 4.125%
HK$246,543
baseline
▲ 0.50% · 4.625%
HK$261,545
+HK$15,002/mo
Deposit HK$5.65M · loan HK$50.87M · min. income ≈ HK$493,086/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$2,402,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,092
−HK$13,944/mo
▼ 0.25% · 3.875%
HK$265,014
−HK$7,022/mo
Today · 4.125%
HK$272,036
baseline
▲ 0.50% · 4.625%
HK$286,376
+HK$14,340/mo
Deposit HK$5.65M · loan HK$50.87M · min. income ≈ HK$544,072/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$2,402,216 · Scale 2, in force from 26 Feb 2026)