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$128,590
−HK$8,064/mo
▼ 0.25% · 3.875%
HK$132,590
−HK$4,064/mo
Today · 4.125%
HK$136,654
baseline
▲ 0.50% · 4.625%
HK$144,969
+HK$8,315/mo
Deposit HK$28.20M · loan HK$28.20M · min. income ≈ HK$273,308/mo (50% DSR)
Upfront cash ≈ HK$30.59M (deposit + AVD stamp duty HK$2,396,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,055
−HK$7,729/mo
▼ 0.25% · 3.875%
HK$146,892
−HK$3,892/mo
Today · 4.125%
HK$150,784
baseline
▲ 0.50% · 4.625%
HK$158,732
+HK$7,948/mo
Deposit HK$28.20M · loan HK$28.20M · min. income ≈ HK$301,568/mo (50% DSR)
Upfront cash ≈ HK$30.59M (deposit + AVD stamp duty HK$2,396,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,308
−HK$9,676/mo
▼ 0.25% · 3.875%
HK$159,108
−HK$4,876/mo
Today · 4.125%
HK$163,984
baseline
▲ 0.50% · 4.625%
HK$173,963
+HK$9,979/mo
Deposit HK$22.56M · loan HK$33.84M · min. income ≈ HK$327,968/mo (50% DSR)
Upfront cash ≈ HK$24.95M (deposit + AVD stamp duty HK$2,396,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,666
−HK$9,275/mo
▼ 0.25% · 3.875%
HK$176,270
−HK$4,671/mo
Today · 4.125%
HK$180,941
baseline
▲ 0.50% · 4.625%
HK$190,478
+HK$9,537/mo
Deposit HK$22.56M · loan HK$33.84M · min. income ≈ HK$361,882/mo (50% DSR)
Upfront cash ≈ HK$24.95M (deposit + AVD stamp duty HK$2,396,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,026
−HK$11,289/mo
▼ 0.25% · 3.875%
HK$185,626
−HK$5,689/mo
Today · 4.125%
HK$191,315
baseline
▲ 0.50% · 4.625%
HK$202,956
+HK$11,641/mo
Deposit HK$16.92M · loan HK$39.47M · min. income ≈ HK$382,630/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$2,396,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,277
−HK$10,820/mo
▼ 0.25% · 3.875%
HK$205,648
−HK$5,449/mo
Today · 4.125%
HK$211,097
baseline
▲ 0.50% · 4.625%
HK$222,225
+HK$11,128/mo
Deposit HK$16.92M · loan HK$39.47M · min. income ≈ HK$422,194/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$2,396,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,462
−HK$14,515/mo
▼ 0.25% · 3.875%
HK$238,662
−HK$7,315/mo
Today · 4.125%
HK$245,977
baseline
▲ 0.50% · 4.625%
HK$260,944
+HK$14,967/mo
Deposit HK$5.64M · loan HK$50.75M · min. income ≈ HK$491,954/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$2,396,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,499
−HK$13,912/mo
▼ 0.25% · 3.875%
HK$264,405
−HK$7,006/mo
Today · 4.125%
HK$271,411
baseline
▲ 0.50% · 4.625%
HK$285,717
+HK$14,306/mo
Deposit HK$5.64M · loan HK$50.75M · min. income ≈ HK$542,822/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$2,396,694 · Scale 2, in force from 26 Feb 2026)