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$128,798
−HK$8,077/mo
▼ 0.25% · 3.875%
HK$132,805
−HK$4,070/mo
Today · 4.125%
HK$136,875
baseline
▲ 0.50% · 4.625%
HK$145,203
+HK$8,328/mo
Deposit HK$28.24M · loan HK$28.24M · min. income ≈ HK$273,750/mo (50% DSR)
Upfront cash ≈ HK$30.64M (deposit + AVD stamp duty HK$2,400,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,287
−HK$7,741/mo
▼ 0.25% · 3.875%
HK$147,130
−HK$3,898/mo
Today · 4.125%
HK$151,028
baseline
▲ 0.50% · 4.625%
HK$158,989
+HK$7,961/mo
Deposit HK$28.24M · loan HK$28.24M · min. income ≈ HK$302,056/mo (50% DSR)
Upfront cash ≈ HK$30.64M (deposit + AVD stamp duty HK$2,400,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,558
−HK$9,692/mo
▼ 0.25% · 3.875%
HK$159,365
−HK$4,885/mo
Today · 4.125%
HK$164,250
baseline
▲ 0.50% · 4.625%
HK$174,244
+HK$9,994/mo
Deposit HK$22.59M · loan HK$33.89M · min. income ≈ HK$328,500/mo (50% DSR)
Upfront cash ≈ HK$24.99M (deposit + AVD stamp duty HK$2,400,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,944
−HK$9,290/mo
▼ 0.25% · 3.875%
HK$176,555
−HK$4,679/mo
Today · 4.125%
HK$181,234
baseline
▲ 0.50% · 4.625%
HK$190,787
+HK$9,553/mo
Deposit HK$22.59M · loan HK$33.89M · min. income ≈ HK$362,468/mo (50% DSR)
Upfront cash ≈ HK$24.99M (deposit + AVD stamp duty HK$2,400,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,317
−HK$11,308/mo
▼ 0.25% · 3.875%
HK$185,926
−HK$5,699/mo
Today · 4.125%
HK$191,625
baseline
▲ 0.50% · 4.625%
HK$203,285
+HK$11,660/mo
Deposit HK$16.95M · loan HK$39.54M · min. income ≈ HK$383,250/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$2,400,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,601
−HK$10,838/mo
▼ 0.25% · 3.875%
HK$205,981
−HK$5,458/mo
Today · 4.125%
HK$211,439
baseline
▲ 0.50% · 4.625%
HK$222,584
+HK$11,145/mo
Deposit HK$16.95M · loan HK$39.54M · min. income ≈ HK$422,878/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$2,400,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,837
−HK$14,538/mo
▼ 0.25% · 3.875%
HK$239,048
−HK$7,327/mo
Today · 4.125%
HK$246,375
baseline
▲ 0.50% · 4.625%
HK$261,366
+HK$14,991/mo
Deposit HK$5.65M · loan HK$50.84M · min. income ≈ HK$492,750/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$2,400,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,916
−HK$13,934/mo
▼ 0.25% · 3.875%
HK$264,833
−HK$7,017/mo
Today · 4.125%
HK$271,850
baseline
▲ 0.50% · 4.625%
HK$286,180
+HK$14,330/mo
Deposit HK$5.65M · loan HK$50.84M · min. income ≈ HK$543,700/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$2,400,573 · Scale 2, in force from 26 Feb 2026)