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$127,973
−HK$8,025/mo
▼ 0.25% · 3.875%
HK$131,953
−HK$4,045/mo
Today · 4.125%
HK$135,998
baseline
▲ 0.50% · 4.625%
HK$144,273
+HK$8,275/mo
Deposit HK$28.06M · loan HK$28.06M · min. income ≈ HK$271,996/mo (50% DSR)
Upfront cash ≈ HK$30.45M (deposit + AVD stamp duty HK$2,385,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,368
−HK$7,692/mo
▼ 0.25% · 3.875%
HK$146,186
−HK$3,874/mo
Today · 4.125%
HK$150,060
baseline
▲ 0.50% · 4.625%
HK$157,970
+HK$7,910/mo
Deposit HK$28.06M · loan HK$28.06M · min. income ≈ HK$300,120/mo (50% DSR)
Upfront cash ≈ HK$30.45M (deposit + AVD stamp duty HK$2,385,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,567
−HK$9,630/mo
▼ 0.25% · 3.875%
HK$158,344
−HK$4,853/mo
Today · 4.125%
HK$163,197
baseline
▲ 0.50% · 4.625%
HK$173,127
+HK$9,930/mo
Deposit HK$22.45M · loan HK$33.67M · min. income ≈ HK$326,394/mo (50% DSR)
Upfront cash ≈ HK$24.83M (deposit + AVD stamp duty HK$2,385,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,842
−HK$9,230/mo
▼ 0.25% · 3.875%
HK$175,424
−HK$4,648/mo
Today · 4.125%
HK$180,072
baseline
▲ 0.50% · 4.625%
HK$189,564
+HK$9,492/mo
Deposit HK$22.45M · loan HK$33.67M · min. income ≈ HK$360,144/mo (50% DSR)
Upfront cash ≈ HK$24.83M (deposit + AVD stamp duty HK$2,385,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,162
−HK$11,235/mo
▼ 0.25% · 3.875%
HK$184,735
−HK$5,662/mo
Today · 4.125%
HK$190,397
baseline
▲ 0.50% · 4.625%
HK$201,982
+HK$11,585/mo
Deposit HK$16.84M · loan HK$39.29M · min. income ≈ HK$380,794/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$2,385,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,315
−HK$10,769/mo
▼ 0.25% · 3.875%
HK$204,661
−HK$5,423/mo
Today · 4.125%
HK$210,084
baseline
▲ 0.50% · 4.625%
HK$221,158
+HK$11,074/mo
Deposit HK$16.84M · loan HK$39.29M · min. income ≈ HK$420,168/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$2,385,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,351
−HK$14,445/mo
▼ 0.25% · 3.875%
HK$237,516
−HK$7,280/mo
Today · 4.125%
HK$244,796
baseline
▲ 0.50% · 4.625%
HK$259,691
+HK$14,895/mo
Deposit HK$5.61M · loan HK$50.51M · min. income ≈ HK$489,592/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$2,385,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,263
−HK$13,845/mo
▼ 0.25% · 3.875%
HK$263,136
−HK$6,972/mo
Today · 4.125%
HK$270,108
baseline
▲ 0.50% · 4.625%
HK$284,346
+HK$14,238/mo
Deposit HK$5.61M · loan HK$50.51M · min. income ≈ HK$540,216/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$2,385,186 · Scale 2, in force from 26 Feb 2026)