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$129,050
−HK$8,093/mo
▼ 0.25% · 3.875%
HK$133,064
−HK$4,079/mo
Today · 4.125%
HK$137,143
baseline
▲ 0.50% · 4.625%
HK$145,488
+HK$8,345/mo
Deposit HK$28.30M · loan HK$28.30M · min. income ≈ HK$274,286/mo (50% DSR)
Upfront cash ≈ HK$30.70M (deposit + AVD stamp duty HK$2,405,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,567
−HK$7,756/mo
▼ 0.25% · 3.875%
HK$147,417
−HK$3,906/mo
Today · 4.125%
HK$151,323
baseline
▲ 0.50% · 4.625%
HK$159,300
+HK$7,977/mo
Deposit HK$28.30M · loan HK$28.30M · min. income ≈ HK$302,646/mo (50% DSR)
Upfront cash ≈ HK$30.70M (deposit + AVD stamp duty HK$2,405,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,860
−HK$9,711/mo
▼ 0.25% · 3.875%
HK$159,677
−HK$4,894/mo
Today · 4.125%
HK$164,571
baseline
▲ 0.50% · 4.625%
HK$174,585
+HK$10,014/mo
Deposit HK$22.64M · loan HK$33.96M · min. income ≈ HK$329,142/mo (50% DSR)
Upfront cash ≈ HK$25.04M (deposit + AVD stamp duty HK$2,405,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,280
−HK$9,308/mo
▼ 0.25% · 3.875%
HK$176,901
−HK$4,687/mo
Today · 4.125%
HK$181,588
baseline
▲ 0.50% · 4.625%
HK$191,160
+HK$9,572/mo
Deposit HK$22.64M · loan HK$33.96M · min. income ≈ HK$363,176/mo (50% DSR)
Upfront cash ≈ HK$25.04M (deposit + AVD stamp duty HK$2,405,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,670
−HK$11,330/mo
▼ 0.25% · 3.875%
HK$186,290
−HK$5,710/mo
Today · 4.125%
HK$192,000
baseline
▲ 0.50% · 4.625%
HK$203,683
+HK$11,683/mo
Deposit HK$16.98M · loan HK$39.62M · min. income ≈ HK$384,000/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$2,405,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,994
−HK$10,859/mo
▼ 0.25% · 3.875%
HK$206,384
−HK$5,469/mo
Today · 4.125%
HK$211,853
baseline
▲ 0.50% · 4.625%
HK$223,020
+HK$11,167/mo
Deposit HK$16.98M · loan HK$39.62M · min. income ≈ HK$423,706/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$2,405,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,290
−HK$14,567/mo
▼ 0.25% · 3.875%
HK$239,516
−HK$7,341/mo
Today · 4.125%
HK$246,857
baseline
▲ 0.50% · 4.625%
HK$261,878
+HK$15,021/mo
Deposit HK$5.66M · loan HK$50.94M · min. income ≈ HK$493,714/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$2,405,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,421
−HK$13,961/mo
▼ 0.25% · 3.875%
HK$265,351
−HK$7,031/mo
Today · 4.125%
HK$272,382
baseline
▲ 0.50% · 4.625%
HK$286,740
+HK$14,358/mo
Deposit HK$5.66M · loan HK$50.94M · min. income ≈ HK$544,764/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$2,405,269 · Scale 2, in force from 26 Feb 2026)