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$128,107
−HK$8,034/mo
▼ 0.25% · 3.875%
HK$132,092
−HK$4,049/mo
Today · 4.125%
HK$136,141
baseline
▲ 0.50% · 4.625%
HK$144,425
+HK$8,284/mo
Deposit HK$28.09M · loan HK$28.09M · min. income ≈ HK$272,282/mo (50% DSR)
Upfront cash ≈ HK$30.48M (deposit + AVD stamp duty HK$2,387,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,518
−HK$7,700/mo
▼ 0.25% · 3.875%
HK$146,341
−HK$3,877/mo
Today · 4.125%
HK$150,218
baseline
▲ 0.50% · 4.625%
HK$158,136
+HK$7,918/mo
Deposit HK$28.09M · loan HK$28.09M · min. income ≈ HK$300,436/mo (50% DSR)
Upfront cash ≈ HK$30.48M (deposit + AVD stamp duty HK$2,387,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,729
−HK$9,640/mo
▼ 0.25% · 3.875%
HK$158,511
−HK$4,858/mo
Today · 4.125%
HK$163,369
baseline
▲ 0.50% · 4.625%
HK$173,310
+HK$9,941/mo
Deposit HK$22.47M · loan HK$33.71M · min. income ≈ HK$326,738/mo (50% DSR)
Upfront cash ≈ HK$24.86M (deposit + AVD stamp duty HK$2,387,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,022
−HK$9,240/mo
▼ 0.25% · 3.875%
HK$175,609
−HK$4,653/mo
Today · 4.125%
HK$180,262
baseline
▲ 0.50% · 4.625%
HK$189,764
+HK$9,502/mo
Deposit HK$22.47M · loan HK$33.71M · min. income ≈ HK$360,524/mo (50% DSR)
Upfront cash ≈ HK$24.86M (deposit + AVD stamp duty HK$2,387,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,350
−HK$11,247/mo
▼ 0.25% · 3.875%
HK$184,929
−HK$5,668/mo
Today · 4.125%
HK$190,597
baseline
▲ 0.50% · 4.625%
HK$202,195
+HK$11,598/mo
Deposit HK$16.85M · loan HK$39.33M · min. income ≈ HK$381,194/mo (50% DSR)
Upfront cash ≈ HK$19.24M (deposit + AVD stamp duty HK$2,387,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,526
−HK$10,779/mo
▼ 0.25% · 3.875%
HK$204,877
−HK$5,428/mo
Today · 4.125%
HK$210,305
baseline
▲ 0.50% · 4.625%
HK$221,391
+HK$11,086/mo
Deposit HK$16.85M · loan HK$39.33M · min. income ≈ HK$420,610/mo (50% DSR)
Upfront cash ≈ HK$19.24M (deposit + AVD stamp duty HK$2,387,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,593
−HK$14,461/mo
▼ 0.25% · 3.875%
HK$237,766
−HK$7,288/mo
Today · 4.125%
HK$245,054
baseline
▲ 0.50% · 4.625%
HK$259,965
+HK$14,911/mo
Deposit HK$5.62M · loan HK$50.56M · min. income ≈ HK$490,108/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$2,387,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,533
−HK$13,860/mo
▼ 0.25% · 3.875%
HK$263,413
−HK$6,980/mo
Today · 4.125%
HK$270,393
baseline
▲ 0.50% · 4.625%
HK$284,645
+HK$14,252/mo
Deposit HK$5.62M · loan HK$50.56M · min. income ≈ HK$540,786/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$2,387,701 · Scale 2, in force from 26 Feb 2026)