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$128,751
−HK$8,074/mo
▼ 0.25% · 3.875%
HK$132,756
−HK$4,069/mo
Today · 4.125%
HK$136,825
baseline
▲ 0.50% · 4.625%
HK$145,150
+HK$8,325/mo
Deposit HK$28.23M · loan HK$28.23M · min. income ≈ HK$273,650/mo (50% DSR)
Upfront cash ≈ HK$30.63M (deposit + AVD stamp duty HK$2,399,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,234
−HK$7,738/mo
▼ 0.25% · 3.875%
HK$147,075
−HK$3,897/mo
Today · 4.125%
HK$150,972
baseline
▲ 0.50% · 4.625%
HK$158,930
+HK$7,958/mo
Deposit HK$28.23M · loan HK$28.23M · min. income ≈ HK$301,944/mo (50% DSR)
Upfront cash ≈ HK$30.63M (deposit + AVD stamp duty HK$2,399,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,501
−HK$9,688/mo
▼ 0.25% · 3.875%
HK$159,307
−HK$4,882/mo
Today · 4.125%
HK$164,189
baseline
▲ 0.50% · 4.625%
HK$174,180
+HK$9,991/mo
Deposit HK$22.59M · loan HK$33.88M · min. income ≈ HK$328,378/mo (50% DSR)
Upfront cash ≈ HK$24.99M (deposit + AVD stamp duty HK$2,399,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,881
−HK$9,286/mo
▼ 0.25% · 3.875%
HK$176,490
−HK$4,677/mo
Today · 4.125%
HK$181,167
baseline
▲ 0.50% · 4.625%
HK$190,716
+HK$9,549/mo
Deposit HK$22.59M · loan HK$33.88M · min. income ≈ HK$362,334/mo (50% DSR)
Upfront cash ≈ HK$24.99M (deposit + AVD stamp duty HK$2,399,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,251
−HK$11,303/mo
▼ 0.25% · 3.875%
HK$185,858
−HK$5,696/mo
Today · 4.125%
HK$191,554
baseline
▲ 0.50% · 4.625%
HK$203,210
+HK$11,656/mo
Deposit HK$16.94M · loan HK$39.52M · min. income ≈ HK$383,108/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$2,399,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,528
−HK$10,833/mo
▼ 0.25% · 3.875%
HK$205,906
−HK$5,455/mo
Today · 4.125%
HK$211,361
baseline
▲ 0.50% · 4.625%
HK$222,503
+HK$11,142/mo
Deposit HK$16.94M · loan HK$39.52M · min. income ≈ HK$422,722/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$2,399,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,751
−HK$14,533/mo
▼ 0.25% · 3.875%
HK$238,960
−HK$7,324/mo
Today · 4.125%
HK$246,284
baseline
▲ 0.50% · 4.625%
HK$261,270
+HK$14,986/mo
Deposit HK$5.65M · loan HK$50.82M · min. income ≈ HK$492,568/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$2,399,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,821
−HK$13,929/mo
▼ 0.25% · 3.875%
HK$264,736
−HK$7,014/mo
Today · 4.125%
HK$271,750
baseline
▲ 0.50% · 4.625%
HK$286,075
+HK$14,325/mo
Deposit HK$5.65M · loan HK$50.82M · min. income ≈ HK$543,500/mo (50% DSR)
Upfront cash ≈ HK$8.05M (deposit + AVD stamp duty HK$2,399,690 · Scale 2, in force from 26 Feb 2026)