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$128,932
−HK$8,085/mo
▼ 0.25% · 3.875%
HK$132,943
−HK$4,074/mo
Today · 4.125%
HK$137,017
baseline
▲ 0.50% · 4.625%
HK$145,354
+HK$8,337/mo
Deposit HK$28.27M · loan HK$28.27M · min. income ≈ HK$274,034/mo (50% DSR)
Upfront cash ≈ HK$30.67M (deposit + AVD stamp duty HK$2,403,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,436
−HK$7,749/mo
▼ 0.25% · 3.875%
HK$147,282
−HK$3,903/mo
Today · 4.125%
HK$151,185
baseline
▲ 0.50% · 4.625%
HK$159,154
+HK$7,969/mo
Deposit HK$28.27M · loan HK$28.27M · min. income ≈ HK$302,370/mo (50% DSR)
Upfront cash ≈ HK$30.67M (deposit + AVD stamp duty HK$2,403,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,718
−HK$9,703/mo
▼ 0.25% · 3.875%
HK$159,531
−HK$4,890/mo
Today · 4.125%
HK$164,421
baseline
▲ 0.50% · 4.625%
HK$174,425
+HK$10,004/mo
Deposit HK$22.62M · loan HK$33.93M · min. income ≈ HK$328,842/mo (50% DSR)
Upfront cash ≈ HK$25.02M (deposit + AVD stamp duty HK$2,403,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,123
−HK$9,299/mo
▼ 0.25% · 3.875%
HK$176,739
−HK$4,683/mo
Today · 4.125%
HK$181,422
baseline
▲ 0.50% · 4.625%
HK$190,985
+HK$9,563/mo
Deposit HK$22.62M · loan HK$33.93M · min. income ≈ HK$362,844/mo (50% DSR)
Upfront cash ≈ HK$25.02M (deposit + AVD stamp duty HK$2,403,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,505
−HK$11,319/mo
▼ 0.25% · 3.875%
HK$186,120
−HK$5,704/mo
Today · 4.125%
HK$191,824
baseline
▲ 0.50% · 4.625%
HK$203,496
+HK$11,672/mo
Deposit HK$16.96M · loan HK$39.58M · min. income ≈ HK$383,648/mo (50% DSR)
Upfront cash ≈ HK$19.37M (deposit + AVD stamp duty HK$2,403,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,810
−HK$10,849/mo
▼ 0.25% · 3.875%
HK$206,195
−HK$5,464/mo
Today · 4.125%
HK$211,659
baseline
▲ 0.50% · 4.625%
HK$222,816
+HK$11,157/mo
Deposit HK$16.96M · loan HK$39.58M · min. income ≈ HK$423,318/mo (50% DSR)
Upfront cash ≈ HK$19.37M (deposit + AVD stamp duty HK$2,403,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,078
−HK$14,553/mo
▼ 0.25% · 3.875%
HK$239,297
−HK$7,334/mo
Today · 4.125%
HK$246,631
baseline
▲ 0.50% · 4.625%
HK$261,638
+HK$15,007/mo
Deposit HK$5.65M · loan HK$50.89M · min. income ≈ HK$493,262/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$2,403,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,184
−HK$13,949/mo
▼ 0.25% · 3.875%
HK$265,108
−HK$7,025/mo
Today · 4.125%
HK$272,133
baseline
▲ 0.50% · 4.625%
HK$286,477
+HK$14,344/mo
Deposit HK$5.65M · loan HK$50.89M · min. income ≈ HK$544,266/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$2,403,068 · Scale 2, in force from 26 Feb 2026)