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$127,652
−HK$8,005/mo
▼ 0.25% · 3.875%
HK$131,623
−HK$4,034/mo
Today · 4.125%
HK$135,657
baseline
▲ 0.50% · 4.625%
HK$143,911
+HK$8,254/mo
Deposit HK$27.99M · loan HK$27.99M · min. income ≈ HK$271,314/mo (50% DSR)
Upfront cash ≈ HK$30.37M (deposit + AVD stamp duty HK$2,379,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,011
−HK$7,673/mo
▼ 0.25% · 3.875%
HK$145,820
−HK$3,864/mo
Today · 4.125%
HK$149,684
baseline
▲ 0.50% · 4.625%
HK$157,574
+HK$7,890/mo
Deposit HK$27.99M · loan HK$27.99M · min. income ≈ HK$299,368/mo (50% DSR)
Upfront cash ≈ HK$30.37M (deposit + AVD stamp duty HK$2,379,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,182
−HK$9,606/mo
▼ 0.25% · 3.875%
HK$157,947
−HK$4,841/mo
Today · 4.125%
HK$162,788
baseline
▲ 0.50% · 4.625%
HK$172,693
+HK$9,905/mo
Deposit HK$22.39M · loan HK$33.59M · min. income ≈ HK$325,576/mo (50% DSR)
Upfront cash ≈ HK$24.77M (deposit + AVD stamp duty HK$2,379,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,414
−HK$9,207/mo
▼ 0.25% · 3.875%
HK$174,984
−HK$4,637/mo
Today · 4.125%
HK$179,621
baseline
▲ 0.50% · 4.625%
HK$189,089
+HK$9,468/mo
Deposit HK$22.39M · loan HK$33.59M · min. income ≈ HK$359,242/mo (50% DSR)
Upfront cash ≈ HK$24.77M (deposit + AVD stamp duty HK$2,379,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,713
−HK$11,206/mo
▼ 0.25% · 3.875%
HK$184,272
−HK$5,647/mo
Today · 4.125%
HK$189,919
baseline
▲ 0.50% · 4.625%
HK$201,476
+HK$11,557/mo
Deposit HK$16.79M · loan HK$39.19M · min. income ≈ HK$379,838/mo (50% DSR)
Upfront cash ≈ HK$19.17M (deposit + AVD stamp duty HK$2,379,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,816
−HK$10,741/mo
▼ 0.25% · 3.875%
HK$204,148
−HK$5,409/mo
Today · 4.125%
HK$209,557
baseline
▲ 0.50% · 4.625%
HK$220,603
+HK$11,046/mo
Deposit HK$16.79M · loan HK$39.19M · min. income ≈ HK$419,114/mo (50% DSR)
Upfront cash ≈ HK$19.17M (deposit + AVD stamp duty HK$2,379,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,773
−HK$14,409/mo
▼ 0.25% · 3.875%
HK$236,921
−HK$7,261/mo
Today · 4.125%
HK$244,182
baseline
▲ 0.50% · 4.625%
HK$259,040
+HK$14,858/mo
Deposit HK$5.60M · loan HK$50.38M · min. income ≈ HK$488,364/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$2,379,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,621
−HK$13,810/mo
▼ 0.25% · 3.875%
HK$262,476
−HK$6,955/mo
Today · 4.125%
HK$269,431
baseline
▲ 0.50% · 4.625%
HK$283,633
+HK$14,202/mo
Deposit HK$5.60M · loan HK$50.38M · min. income ≈ HK$538,862/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$2,379,209 · Scale 2, in force from 26 Feb 2026)