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$127,796
−HK$8,014/mo
▼ 0.25% · 3.875%
HK$131,771
−HK$4,039/mo
Today · 4.125%
HK$135,810
baseline
▲ 0.50% · 4.625%
HK$144,073
+HK$8,263/mo
Deposit HK$28.02M · loan HK$28.02M · min. income ≈ HK$271,620/mo (50% DSR)
Upfront cash ≈ HK$30.40M (deposit + AVD stamp duty HK$2,381,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,172
−HK$7,681/mo
▼ 0.25% · 3.875%
HK$145,985
−HK$3,868/mo
Today · 4.125%
HK$149,853
baseline
▲ 0.50% · 4.625%
HK$157,752
+HK$7,899/mo
Deposit HK$28.02M · loan HK$28.02M · min. income ≈ HK$299,706/mo (50% DSR)
Upfront cash ≈ HK$30.40M (deposit + AVD stamp duty HK$2,381,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,355
−HK$9,617/mo
▼ 0.25% · 3.875%
HK$158,125
−HK$4,847/mo
Today · 4.125%
HK$162,972
baseline
▲ 0.50% · 4.625%
HK$172,888
+HK$9,916/mo
Deposit HK$22.42M · loan HK$33.63M · min. income ≈ HK$325,944/mo (50% DSR)
Upfront cash ≈ HK$24.80M (deposit + AVD stamp duty HK$2,381,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,606
−HK$9,217/mo
▼ 0.25% · 3.875%
HK$175,181
−HK$4,642/mo
Today · 4.125%
HK$179,823
baseline
▲ 0.50% · 4.625%
HK$189,302
+HK$9,479/mo
Deposit HK$22.42M · loan HK$33.63M · min. income ≈ HK$359,646/mo (50% DSR)
Upfront cash ≈ HK$24.80M (deposit + AVD stamp duty HK$2,381,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,914
−HK$11,220/mo
▼ 0.25% · 3.875%
HK$184,479
−HK$5,655/mo
Today · 4.125%
HK$190,134
baseline
▲ 0.50% · 4.625%
HK$201,703
+HK$11,569/mo
Deposit HK$16.81M · loan HK$39.23M · min. income ≈ HK$380,268/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$2,381,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,040
−HK$10,754/mo
▼ 0.25% · 3.875%
HK$204,378
−HK$5,416/mo
Today · 4.125%
HK$209,794
baseline
▲ 0.50% · 4.625%
HK$220,852
+HK$11,058/mo
Deposit HK$16.81M · loan HK$39.23M · min. income ≈ HK$419,588/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$2,381,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,033
−HK$14,425/mo
▼ 0.25% · 3.875%
HK$237,188
−HK$7,270/mo
Today · 4.125%
HK$244,458
baseline
▲ 0.50% · 4.625%
HK$259,332
+HK$14,874/mo
Deposit HK$5.60M · loan HK$50.44M · min. income ≈ HK$488,916/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$2,381,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,909
−HK$13,826/mo
▼ 0.25% · 3.875%
HK$262,772
−HK$6,963/mo
Today · 4.125%
HK$269,735
baseline
▲ 0.50% · 4.625%
HK$283,953
+HK$14,218/mo
Deposit HK$5.60M · loan HK$50.44M · min. income ≈ HK$539,470/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$2,381,892 · Scale 2, in force from 26 Feb 2026)