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$128,788
−HK$8,076/mo
▼ 0.25% · 3.875%
HK$132,794
−HK$4,070/mo
Today · 4.125%
HK$136,864
baseline
▲ 0.50% · 4.625%
HK$145,192
+HK$8,328/mo
Deposit HK$28.24M · loan HK$28.24M · min. income ≈ HK$273,728/mo (50% DSR)
Upfront cash ≈ HK$30.64M (deposit + AVD stamp duty HK$2,400,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,276
−HK$7,740/mo
▼ 0.25% · 3.875%
HK$147,118
−HK$3,898/mo
Today · 4.125%
HK$151,016
baseline
▲ 0.50% · 4.625%
HK$158,977
+HK$7,961/mo
Deposit HK$28.24M · loan HK$28.24M · min. income ≈ HK$302,032/mo (50% DSR)
Upfront cash ≈ HK$30.64M (deposit + AVD stamp duty HK$2,400,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,546
−HK$9,691/mo
▼ 0.25% · 3.875%
HK$159,353
−HK$4,884/mo
Today · 4.125%
HK$164,237
baseline
▲ 0.50% · 4.625%
HK$174,231
+HK$9,994/mo
Deposit HK$22.59M · loan HK$33.89M · min. income ≈ HK$328,474/mo (50% DSR)
Upfront cash ≈ HK$24.99M (deposit + AVD stamp duty HK$2,400,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,931
−HK$9,288/mo
▼ 0.25% · 3.875%
HK$176,542
−HK$4,677/mo
Today · 4.125%
HK$181,219
baseline
▲ 0.50% · 4.625%
HK$190,772
+HK$9,553/mo
Deposit HK$22.59M · loan HK$33.89M · min. income ≈ HK$362,438/mo (50% DSR)
Upfront cash ≈ HK$24.99M (deposit + AVD stamp duty HK$2,400,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,303
−HK$11,307/mo
▼ 0.25% · 3.875%
HK$185,912
−HK$5,698/mo
Today · 4.125%
HK$191,610
baseline
▲ 0.50% · 4.625%
HK$203,269
+HK$11,659/mo
Deposit HK$16.94M · loan HK$39.54M · min. income ≈ HK$383,220/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$2,400,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,586
−HK$10,837/mo
▼ 0.25% · 3.875%
HK$205,965
−HK$5,458/mo
Today · 4.125%
HK$211,423
baseline
▲ 0.50% · 4.625%
HK$222,567
+HK$11,144/mo
Deposit HK$16.94M · loan HK$39.54M · min. income ≈ HK$422,846/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$2,400,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,819
−HK$14,537/mo
▼ 0.25% · 3.875%
HK$239,030
−HK$7,326/mo
Today · 4.125%
HK$246,356
baseline
▲ 0.50% · 4.625%
HK$261,346
+HK$14,990/mo
Deposit HK$5.65M · loan HK$50.83M · min. income ≈ HK$492,712/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$2,400,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,896
−HK$13,933/mo
▼ 0.25% · 3.875%
HK$264,813
−HK$7,016/mo
Today · 4.125%
HK$271,829
baseline
▲ 0.50% · 4.625%
HK$286,158
+HK$14,329/mo
Deposit HK$5.65M · loan HK$50.83M · min. income ≈ HK$543,658/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$2,400,386 · Scale 2, in force from 26 Feb 2026)