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$127,709
−HK$8,008/mo
▼ 0.25% · 3.875%
HK$131,681
−HK$4,036/mo
Today · 4.125%
HK$135,717
baseline
▲ 0.50% · 4.625%
HK$143,975
+HK$8,258/mo
Deposit HK$28.00M · loan HK$28.00M · min. income ≈ HK$271,434/mo (50% DSR)
Upfront cash ≈ HK$30.38M (deposit + AVD stamp duty HK$2,380,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,075
−HK$7,676/mo
▼ 0.25% · 3.875%
HK$145,885
−HK$3,866/mo
Today · 4.125%
HK$149,751
baseline
▲ 0.50% · 4.625%
HK$157,644
+HK$7,893/mo
Deposit HK$28.00M · loan HK$28.00M · min. income ≈ HK$299,502/mo (50% DSR)
Upfront cash ≈ HK$30.38M (deposit + AVD stamp duty HK$2,380,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,251
−HK$9,610/mo
▼ 0.25% · 3.875%
HK$158,018
−HK$4,843/mo
Today · 4.125%
HK$162,861
baseline
▲ 0.50% · 4.625%
HK$172,770
+HK$9,909/mo
Deposit HK$22.40M · loan HK$33.60M · min. income ≈ HK$325,722/mo (50% DSR)
Upfront cash ≈ HK$24.78M (deposit + AVD stamp duty HK$2,380,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,490
−HK$9,211/mo
▼ 0.25% · 3.875%
HK$175,062
−HK$4,639/mo
Today · 4.125%
HK$179,701
baseline
▲ 0.50% · 4.625%
HK$189,173
+HK$9,472/mo
Deposit HK$22.40M · loan HK$33.60M · min. income ≈ HK$359,402/mo (50% DSR)
Upfront cash ≈ HK$24.78M (deposit + AVD stamp duty HK$2,380,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,792
−HK$11,212/mo
▼ 0.25% · 3.875%
HK$184,354
−HK$5,650/mo
Today · 4.125%
HK$190,004
baseline
▲ 0.50% · 4.625%
HK$201,565
+HK$11,561/mo
Deposit HK$16.80M · loan HK$39.20M · min. income ≈ HK$380,008/mo (50% DSR)
Upfront cash ≈ HK$19.18M (deposit + AVD stamp duty HK$2,380,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,905
−HK$10,746/mo
▼ 0.25% · 3.875%
HK$204,239
−HK$5,412/mo
Today · 4.125%
HK$209,651
baseline
▲ 0.50% · 4.625%
HK$220,702
+HK$11,051/mo
Deposit HK$16.80M · loan HK$39.20M · min. income ≈ HK$419,302/mo (50% DSR)
Upfront cash ≈ HK$19.18M (deposit + AVD stamp duty HK$2,380,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,876
−HK$14,415/mo
▼ 0.25% · 3.875%
HK$237,026
−HK$7,265/mo
Today · 4.125%
HK$244,291
baseline
▲ 0.50% · 4.625%
HK$259,156
+HK$14,865/mo
Deposit HK$5.60M · loan HK$50.41M · min. income ≈ HK$488,582/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$2,380,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,735
−HK$13,816/mo
▼ 0.25% · 3.875%
HK$262,593
−HK$6,958/mo
Today · 4.125%
HK$269,551
baseline
▲ 0.50% · 4.625%
HK$283,759
+HK$14,208/mo
Deposit HK$5.60M · loan HK$50.41M · min. income ≈ HK$539,102/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$2,380,269 · Scale 2, in force from 26 Feb 2026)