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$128,034
−HK$8,028/mo
▼ 0.25% · 3.875%
HK$132,016
−HK$4,046/mo
Today · 4.125%
HK$136,062
baseline
▲ 0.50% · 4.625%
HK$144,342
+HK$8,280/mo
Deposit HK$28.07M · loan HK$28.07M · min. income ≈ HK$272,124/mo (50% DSR)
Upfront cash ≈ HK$30.46M (deposit + AVD stamp duty HK$2,386,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,436
−HK$7,695/mo
▼ 0.25% · 3.875%
HK$146,256
−HK$3,875/mo
Today · 4.125%
HK$150,131
baseline
▲ 0.50% · 4.625%
HK$158,045
+HK$7,914/mo
Deposit HK$28.07M · loan HK$28.07M · min. income ≈ HK$300,262/mo (50% DSR)
Upfront cash ≈ HK$30.46M (deposit + AVD stamp duty HK$2,386,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,640
−HK$9,635/mo
▼ 0.25% · 3.875%
HK$158,419
−HK$4,856/mo
Today · 4.125%
HK$163,275
baseline
▲ 0.50% · 4.625%
HK$173,210
+HK$9,935/mo
Deposit HK$22.46M · loan HK$33.69M · min. income ≈ HK$326,550/mo (50% DSR)
Upfront cash ≈ HK$24.85M (deposit + AVD stamp duty HK$2,386,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,923
−HK$9,235/mo
▼ 0.25% · 3.875%
HK$175,507
−HK$4,651/mo
Today · 4.125%
HK$180,158
baseline
▲ 0.50% · 4.625%
HK$189,654
+HK$9,496/mo
Deposit HK$22.46M · loan HK$33.69M · min. income ≈ HK$360,316/mo (50% DSR)
Upfront cash ≈ HK$24.85M (deposit + AVD stamp duty HK$2,386,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,247
−HK$11,240/mo
▼ 0.25% · 3.875%
HK$184,823
−HK$5,664/mo
Today · 4.125%
HK$190,487
baseline
▲ 0.50% · 4.625%
HK$202,078
+HK$11,591/mo
Deposit HK$16.84M · loan HK$39.30M · min. income ≈ HK$380,974/mo (50% DSR)
Upfront cash ≈ HK$19.23M (deposit + AVD stamp duty HK$2,386,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,411
−HK$10,773/mo
▼ 0.25% · 3.875%
HK$204,759
−HK$5,425/mo
Today · 4.125%
HK$210,184
baseline
▲ 0.50% · 4.625%
HK$221,263
+HK$11,079/mo
Deposit HK$16.84M · loan HK$39.30M · min. income ≈ HK$420,368/mo (50% DSR)
Upfront cash ≈ HK$19.23M (deposit + AVD stamp duty HK$2,386,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,460
−HK$14,452/mo
▼ 0.25% · 3.875%
HK$237,629
−HK$7,283/mo
Today · 4.125%
HK$244,912
baseline
▲ 0.50% · 4.625%
HK$259,815
+HK$14,903/mo
Deposit HK$5.61M · loan HK$50.53M · min. income ≈ HK$489,824/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$2,386,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,385
−HK$13,852/mo
▼ 0.25% · 3.875%
HK$263,261
−HK$6,976/mo
Today · 4.125%
HK$270,237
baseline
▲ 0.50% · 4.625%
HK$284,481
+HK$14,244/mo
Deposit HK$5.61M · loan HK$50.53M · min. income ≈ HK$540,474/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$2,386,323 · Scale 2, in force from 26 Feb 2026)