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$128,804
−HK$8,077/mo
▼ 0.25% · 3.875%
HK$132,810
−HK$4,071/mo
Today · 4.125%
HK$136,881
baseline
▲ 0.50% · 4.625%
HK$145,210
+HK$8,329/mo
Deposit HK$28.24M · loan HK$28.24M · min. income ≈ HK$273,762/mo (50% DSR)
Upfront cash ≈ HK$30.64M (deposit + AVD stamp duty HK$2,400,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,293
−HK$7,741/mo
▼ 0.25% · 3.875%
HK$147,136
−HK$3,898/mo
Today · 4.125%
HK$151,034
baseline
▲ 0.50% · 4.625%
HK$158,996
+HK$7,962/mo
Deposit HK$28.24M · loan HK$28.24M · min. income ≈ HK$302,068/mo (50% DSR)
Upfront cash ≈ HK$30.64M (deposit + AVD stamp duty HK$2,400,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,564
−HK$9,693/mo
▼ 0.25% · 3.875%
HK$159,372
−HK$4,885/mo
Today · 4.125%
HK$164,257
baseline
▲ 0.50% · 4.625%
HK$174,252
+HK$9,995/mo
Deposit HK$22.59M · loan HK$33.89M · min. income ≈ HK$328,514/mo (50% DSR)
Upfront cash ≈ HK$25.00M (deposit + AVD stamp duty HK$2,400,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,951
−HK$9,290/mo
▼ 0.25% · 3.875%
HK$176,563
−HK$4,678/mo
Today · 4.125%
HK$181,241
baseline
▲ 0.50% · 4.625%
HK$190,795
+HK$9,554/mo
Deposit HK$22.59M · loan HK$33.89M · min. income ≈ HK$362,482/mo (50% DSR)
Upfront cash ≈ HK$25.00M (deposit + AVD stamp duty HK$2,400,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,325
−HK$11,308/mo
▼ 0.25% · 3.875%
HK$185,934
−HK$5,699/mo
Today · 4.125%
HK$191,633
baseline
▲ 0.50% · 4.625%
HK$203,293
+HK$11,660/mo
Deposit HK$16.95M · loan HK$39.54M · min. income ≈ HK$383,266/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$2,400,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,610
−HK$10,838/mo
▼ 0.25% · 3.875%
HK$205,990
−HK$5,458/mo
Today · 4.125%
HK$211,448
baseline
▲ 0.50% · 4.625%
HK$222,594
+HK$11,146/mo
Deposit HK$16.95M · loan HK$39.54M · min. income ≈ HK$422,896/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$2,400,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,847
−HK$14,538/mo
▼ 0.25% · 3.875%
HK$239,058
−HK$7,327/mo
Today · 4.125%
HK$246,385
baseline
▲ 0.50% · 4.625%
HK$261,377
+HK$14,992/mo
Deposit HK$5.65M · loan HK$50.84M · min. income ≈ HK$492,770/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$2,400,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,927
−HK$13,935/mo
▼ 0.25% · 3.875%
HK$264,844
−HK$7,018/mo
Today · 4.125%
HK$271,862
baseline
▲ 0.50% · 4.625%
HK$286,192
+HK$14,330/mo
Deposit HK$5.65M · loan HK$50.84M · min. income ≈ HK$543,724/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$2,400,676 · Scale 2, in force from 26 Feb 2026)