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$129,058
−HK$8,094/mo
▼ 0.25% · 3.875%
HK$133,073
−HK$4,079/mo
Today · 4.125%
HK$137,152
baseline
▲ 0.50% · 4.625%
HK$145,497
+HK$8,345/mo
Deposit HK$28.30M · loan HK$28.30M · min. income ≈ HK$274,304/mo (50% DSR)
Upfront cash ≈ HK$30.70M (deposit + AVD stamp duty HK$2,405,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,576
−HK$7,757/mo
▼ 0.25% · 3.875%
HK$147,427
−HK$3,906/mo
Today · 4.125%
HK$151,333
baseline
▲ 0.50% · 4.625%
HK$159,310
+HK$7,977/mo
Deposit HK$28.30M · loan HK$28.30M · min. income ≈ HK$302,666/mo (50% DSR)
Upfront cash ≈ HK$30.70M (deposit + AVD stamp duty HK$2,405,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,870
−HK$9,712/mo
▼ 0.25% · 3.875%
HK$159,687
−HK$4,895/mo
Today · 4.125%
HK$164,582
baseline
▲ 0.50% · 4.625%
HK$174,596
+HK$10,014/mo
Deposit HK$22.64M · loan HK$33.96M · min. income ≈ HK$329,164/mo (50% DSR)
Upfront cash ≈ HK$25.04M (deposit + AVD stamp duty HK$2,405,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,291
−HK$9,309/mo
▼ 0.25% · 3.875%
HK$176,912
−HK$4,688/mo
Today · 4.125%
HK$181,600
baseline
▲ 0.50% · 4.625%
HK$191,172
+HK$9,572/mo
Deposit HK$22.64M · loan HK$33.96M · min. income ≈ HK$363,200/mo (50% DSR)
Upfront cash ≈ HK$25.04M (deposit + AVD stamp duty HK$2,405,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,682
−HK$11,330/mo
▼ 0.25% · 3.875%
HK$186,302
−HK$5,710/mo
Today · 4.125%
HK$192,012
baseline
▲ 0.50% · 4.625%
HK$203,696
+HK$11,684/mo
Deposit HK$16.98M · loan HK$39.62M · min. income ≈ HK$384,024/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$2,405,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,007
−HK$10,859/mo
▼ 0.25% · 3.875%
HK$206,398
−HK$5,468/mo
Today · 4.125%
HK$211,866
baseline
▲ 0.50% · 4.625%
HK$223,034
+HK$11,168/mo
Deposit HK$16.98M · loan HK$39.62M · min. income ≈ HK$423,732/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$2,405,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,305
−HK$14,568/mo
▼ 0.25% · 3.875%
HK$239,531
−HK$7,342/mo
Today · 4.125%
HK$246,873
baseline
▲ 0.50% · 4.625%
HK$261,894
+HK$15,021/mo
Deposit HK$5.66M · loan HK$50.94M · min. income ≈ HK$493,746/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$2,405,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,437
−HK$13,963/mo
▼ 0.25% · 3.875%
HK$265,368
−HK$7,032/mo
Today · 4.125%
HK$272,400
baseline
▲ 0.50% · 4.625%
HK$286,758
+HK$14,358/mo
Deposit HK$5.66M · loan HK$50.94M · min. income ≈ HK$544,800/mo (50% DSR)
Upfront cash ≈ HK$8.07M (deposit + AVD stamp duty HK$2,405,424 · Scale 2, in force from 26 Feb 2026)