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$127,911
−HK$8,022/mo
▼ 0.25% · 3.875%
HK$131,890
−HK$4,043/mo
Today · 4.125%
HK$135,933
baseline
▲ 0.50% · 4.625%
HK$144,204
+HK$8,271/mo
Deposit HK$28.05M · loan HK$28.05M · min. income ≈ HK$271,866/mo (50% DSR)
Upfront cash ≈ HK$30.43M (deposit + AVD stamp duty HK$2,384,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,300
−HK$7,688/mo
▼ 0.25% · 3.875%
HK$146,117
−HK$3,871/mo
Today · 4.125%
HK$149,988
baseline
▲ 0.50% · 4.625%
HK$157,894
+HK$7,906/mo
Deposit HK$28.05M · loan HK$28.05M · min. income ≈ HK$299,976/mo (50% DSR)
Upfront cash ≈ HK$30.43M (deposit + AVD stamp duty HK$2,384,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,494
−HK$9,625/mo
▼ 0.25% · 3.875%
HK$158,268
−HK$4,851/mo
Today · 4.125%
HK$163,119
baseline
▲ 0.50% · 4.625%
HK$173,045
+HK$9,926/mo
Deposit HK$22.44M · loan HK$33.66M · min. income ≈ HK$326,238/mo (50% DSR)
Upfront cash ≈ HK$24.82M (deposit + AVD stamp duty HK$2,384,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,760
−HK$9,226/mo
▼ 0.25% · 3.875%
HK$175,340
−HK$4,646/mo
Today · 4.125%
HK$179,986
baseline
▲ 0.50% · 4.625%
HK$189,473
+HK$9,487/mo
Deposit HK$22.44M · loan HK$33.66M · min. income ≈ HK$359,972/mo (50% DSR)
Upfront cash ≈ HK$24.82M (deposit + AVD stamp duty HK$2,384,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,076
−HK$11,230/mo
▼ 0.25% · 3.875%
HK$184,646
−HK$5,660/mo
Today · 4.125%
HK$190,306
baseline
▲ 0.50% · 4.625%
HK$201,885
+HK$11,579/mo
Deposit HK$16.83M · loan HK$39.27M · min. income ≈ HK$380,612/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$2,384,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,220
−HK$10,764/mo
▼ 0.25% · 3.875%
HK$204,563
−HK$5,421/mo
Today · 4.125%
HK$209,984
baseline
▲ 0.50% · 4.625%
HK$221,052
+HK$11,068/mo
Deposit HK$16.83M · loan HK$39.27M · min. income ≈ HK$419,968/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$2,384,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,241
−HK$14,438/mo
▼ 0.25% · 3.875%
HK$237,402
−HK$7,277/mo
Today · 4.125%
HK$244,679
baseline
▲ 0.50% · 4.625%
HK$259,567
+HK$14,888/mo
Deposit HK$5.61M · loan HK$50.49M · min. income ≈ HK$489,358/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$2,384,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,140
−HK$13,839/mo
▼ 0.25% · 3.875%
HK$263,010
−HK$6,969/mo
Today · 4.125%
HK$269,979
baseline
▲ 0.50% · 4.625%
HK$284,210
+HK$14,231/mo
Deposit HK$5.61M · loan HK$50.49M · min. income ≈ HK$539,958/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$2,384,047 · Scale 2, in force from 26 Feb 2026)