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$128,354
−HK$8,049/mo
▼ 0.25% · 3.875%
HK$132,346
−HK$4,057/mo
Today · 4.125%
HK$136,403
baseline
▲ 0.50% · 4.625%
HK$144,702
+HK$8,299/mo
Deposit HK$28.14M · loan HK$28.14M · min. income ≈ HK$272,806/mo (50% DSR)
Upfront cash ≈ HK$30.54M (deposit + AVD stamp duty HK$2,392,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,792
−HK$7,715/mo
▼ 0.25% · 3.875%
HK$146,622
−HK$3,885/mo
Today · 4.125%
HK$150,507
baseline
▲ 0.50% · 4.625%
HK$158,440
+HK$7,933/mo
Deposit HK$28.14M · loan HK$28.14M · min. income ≈ HK$301,014/mo (50% DSR)
Upfront cash ≈ HK$30.54M (deposit + AVD stamp duty HK$2,392,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,025
−HK$9,658/mo
▼ 0.25% · 3.875%
HK$158,816
−HK$4,867/mo
Today · 4.125%
HK$163,683
baseline
▲ 0.50% · 4.625%
HK$173,643
+HK$9,960/mo
Deposit HK$22.52M · loan HK$33.77M · min. income ≈ HK$327,366/mo (50% DSR)
Upfront cash ≈ HK$24.91M (deposit + AVD stamp duty HK$2,392,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,351
−HK$9,257/mo
▼ 0.25% · 3.875%
HK$175,946
−HK$4,662/mo
Today · 4.125%
HK$180,608
baseline
▲ 0.50% · 4.625%
HK$190,128
+HK$9,520/mo
Deposit HK$22.52M · loan HK$33.77M · min. income ≈ HK$361,216/mo (50% DSR)
Upfront cash ≈ HK$24.91M (deposit + AVD stamp duty HK$2,392,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,695
−HK$11,269/mo
▼ 0.25% · 3.875%
HK$185,285
−HK$5,679/mo
Today · 4.125%
HK$190,964
baseline
▲ 0.50% · 4.625%
HK$202,583
+HK$11,619/mo
Deposit HK$16.89M · loan HK$39.40M · min. income ≈ HK$381,928/mo (50% DSR)
Upfront cash ≈ HK$19.28M (deposit + AVD stamp duty HK$2,392,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,909
−HK$10,801/mo
▼ 0.25% · 3.875%
HK$205,271
−HK$5,439/mo
Today · 4.125%
HK$210,710
baseline
▲ 0.50% · 4.625%
HK$221,816
+HK$11,106/mo
Deposit HK$16.89M · loan HK$39.40M · min. income ≈ HK$421,420/mo (50% DSR)
Upfront cash ≈ HK$19.28M (deposit + AVD stamp duty HK$2,392,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,037
−HK$14,488/mo
▼ 0.25% · 3.875%
HK$238,223
−HK$7,302/mo
Today · 4.125%
HK$245,525
baseline
▲ 0.50% · 4.625%
HK$260,464
+HK$14,939/mo
Deposit HK$5.63M · loan HK$50.66M · min. income ≈ HK$491,050/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$2,392,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,026
−HK$13,886/mo
▼ 0.25% · 3.875%
HK$263,919
−HK$6,993/mo
Today · 4.125%
HK$270,912
baseline
▲ 0.50% · 4.625%
HK$285,193
+HK$14,281/mo
Deposit HK$5.63M · loan HK$50.66M · min. income ≈ HK$541,824/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$2,392,291 · Scale 2, in force from 26 Feb 2026)