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$128,332
−HK$8,047/mo
▼ 0.25% · 3.875%
HK$132,324
−HK$4,055/mo
Today · 4.125%
HK$136,379
baseline
▲ 0.50% · 4.625%
HK$144,678
+HK$8,299/mo
Deposit HK$28.14M · loan HK$28.14M · min. income ≈ HK$272,758/mo (50% DSR)
Upfront cash ≈ HK$30.53M (deposit + AVD stamp duty HK$2,391,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,768
−HK$7,713/mo
▼ 0.25% · 3.875%
HK$146,597
−HK$3,884/mo
Today · 4.125%
HK$150,481
baseline
▲ 0.50% · 4.625%
HK$158,413
+HK$7,932/mo
Deposit HK$28.14M · loan HK$28.14M · min. income ≈ HK$300,962/mo (50% DSR)
Upfront cash ≈ HK$30.53M (deposit + AVD stamp duty HK$2,391,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,998
−HK$9,657/mo
▼ 0.25% · 3.875%
HK$158,788
−HK$4,867/mo
Today · 4.125%
HK$163,655
baseline
▲ 0.50% · 4.625%
HK$173,613
+HK$9,958/mo
Deposit HK$22.51M · loan HK$33.77M · min. income ≈ HK$327,310/mo (50% DSR)
Upfront cash ≈ HK$24.90M (deposit + AVD stamp duty HK$2,391,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,321
−HK$9,256/mo
▼ 0.25% · 3.875%
HK$175,916
−HK$4,661/mo
Today · 4.125%
HK$180,577
baseline
▲ 0.50% · 4.625%
HK$190,096
+HK$9,519/mo
Deposit HK$22.51M · loan HK$33.77M · min. income ≈ HK$361,154/mo (50% DSR)
Upfront cash ≈ HK$24.90M (deposit + AVD stamp duty HK$2,391,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,665
−HK$11,266/mo
▼ 0.25% · 3.875%
HK$185,253
−HK$5,678/mo
Today · 4.125%
HK$190,931
baseline
▲ 0.50% · 4.625%
HK$202,549
+HK$11,618/mo
Deposit HK$16.88M · loan HK$39.40M · min. income ≈ HK$381,862/mo (50% DSR)
Upfront cash ≈ HK$19.28M (deposit + AVD stamp duty HK$2,391,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,875
−HK$10,799/mo
▼ 0.25% · 3.875%
HK$205,236
−HK$5,438/mo
Today · 4.125%
HK$210,674
baseline
▲ 0.50% · 4.625%
HK$221,779
+HK$11,105/mo
Deposit HK$16.88M · loan HK$39.40M · min. income ≈ HK$421,348/mo (50% DSR)
Upfront cash ≈ HK$19.28M (deposit + AVD stamp duty HK$2,391,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,997
−HK$14,486/mo
▼ 0.25% · 3.875%
HK$238,183
−HK$7,300/mo
Today · 4.125%
HK$245,483
baseline
▲ 0.50% · 4.625%
HK$260,420
+HK$14,937/mo
Deposit HK$5.63M · loan HK$50.65M · min. income ≈ HK$490,966/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$2,391,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,982
−HK$13,884/mo
▼ 0.25% · 3.875%
HK$263,874
−HK$6,992/mo
Today · 4.125%
HK$270,866
baseline
▲ 0.50% · 4.625%
HK$285,144
+HK$14,278/mo
Deposit HK$5.63M · loan HK$50.65M · min. income ≈ HK$541,732/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$2,391,882 · Scale 2, in force from 26 Feb 2026)