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$128,382
−HK$8,051/mo
▼ 0.25% · 3.875%
HK$132,376
−HK$4,057/mo
Today · 4.125%
HK$136,433
baseline
▲ 0.50% · 4.625%
HK$144,734
+HK$8,301/mo
Deposit HK$28.15M · loan HK$28.15M · min. income ≈ HK$272,866/mo (50% DSR)
Upfront cash ≈ HK$30.54M (deposit + AVD stamp duty HK$2,392,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,824
−HK$7,716/mo
▼ 0.25% · 3.875%
HK$146,654
−HK$3,886/mo
Today · 4.125%
HK$150,540
baseline
▲ 0.50% · 4.625%
HK$158,475
+HK$7,935/mo
Deposit HK$28.15M · loan HK$28.15M · min. income ≈ HK$301,080/mo (50% DSR)
Upfront cash ≈ HK$30.54M (deposit + AVD stamp duty HK$2,392,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,059
−HK$9,660/mo
▼ 0.25% · 3.875%
HK$158,851
−HK$4,868/mo
Today · 4.125%
HK$163,719
baseline
▲ 0.50% · 4.625%
HK$173,681
+HK$9,962/mo
Deposit HK$22.52M · loan HK$33.78M · min. income ≈ HK$327,438/mo (50% DSR)
Upfront cash ≈ HK$24.91M (deposit + AVD stamp duty HK$2,392,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,389
−HK$9,259/mo
▼ 0.25% · 3.875%
HK$175,985
−HK$4,663/mo
Today · 4.125%
HK$180,648
baseline
▲ 0.50% · 4.625%
HK$190,170
+HK$9,522/mo
Deposit HK$22.52M · loan HK$33.78M · min. income ≈ HK$361,296/mo (50% DSR)
Upfront cash ≈ HK$24.91M (deposit + AVD stamp duty HK$2,392,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,735
−HK$11,271/mo
▼ 0.25% · 3.875%
HK$185,326
−HK$5,680/mo
Today · 4.125%
HK$191,006
baseline
▲ 0.50% · 4.625%
HK$202,628
+HK$11,622/mo
Deposit HK$16.89M · loan HK$39.41M · min. income ≈ HK$382,012/mo (50% DSR)
Upfront cash ≈ HK$19.28M (deposit + AVD stamp duty HK$2,392,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,953
−HK$10,803/mo
▼ 0.25% · 3.875%
HK$205,316
−HK$5,440/mo
Today · 4.125%
HK$210,756
baseline
▲ 0.50% · 4.625%
HK$221,865
+HK$11,109/mo
Deposit HK$16.89M · loan HK$39.41M · min. income ≈ HK$421,512/mo (50% DSR)
Upfront cash ≈ HK$19.28M (deposit + AVD stamp duty HK$2,392,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,088
−HK$14,491/mo
▼ 0.25% · 3.875%
HK$238,276
−HK$7,303/mo
Today · 4.125%
HK$245,579
baseline
▲ 0.50% · 4.625%
HK$260,522
+HK$14,943/mo
Deposit HK$5.63M · loan HK$50.67M · min. income ≈ HK$491,158/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$2,392,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,083
−HK$13,889/mo
▼ 0.25% · 3.875%
HK$263,978
−HK$6,994/mo
Today · 4.125%
HK$270,972
baseline
▲ 0.50% · 4.625%
HK$285,256
+HK$14,284/mo
Deposit HK$5.63M · loan HK$50.67M · min. income ≈ HK$541,944/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$2,392,819 · Scale 2, in force from 26 Feb 2026)