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$128,521
−HK$8,059/mo
▼ 0.25% · 3.875%
HK$132,518
−HK$4,062/mo
Today · 4.125%
HK$136,580
baseline
▲ 0.50% · 4.625%
HK$144,890
+HK$8,310/mo
Deposit HK$28.18M · loan HK$28.18M · min. income ≈ HK$273,160/mo (50% DSR)
Upfront cash ≈ HK$30.58M (deposit + AVD stamp duty HK$2,395,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,978
−HK$7,724/mo
▼ 0.25% · 3.875%
HK$146,812
−HK$3,890/mo
Today · 4.125%
HK$150,702
baseline
▲ 0.50% · 4.625%
HK$158,646
+HK$7,944/mo
Deposit HK$28.18M · loan HK$28.18M · min. income ≈ HK$301,404/mo (50% DSR)
Upfront cash ≈ HK$30.58M (deposit + AVD stamp duty HK$2,395,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,225
−HK$9,671/mo
▼ 0.25% · 3.875%
HK$159,022
−HK$4,874/mo
Today · 4.125%
HK$163,896
baseline
▲ 0.50% · 4.625%
HK$173,869
+HK$9,973/mo
Deposit HK$22.54M · loan HK$33.82M · min. income ≈ HK$327,792/mo (50% DSR)
Upfront cash ≈ HK$24.94M (deposit + AVD stamp duty HK$2,395,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,573
−HK$9,270/mo
▼ 0.25% · 3.875%
HK$176,175
−HK$4,668/mo
Today · 4.125%
HK$180,843
baseline
▲ 0.50% · 4.625%
HK$190,375
+HK$9,532/mo
Deposit HK$22.54M · loan HK$33.82M · min. income ≈ HK$361,686/mo (50% DSR)
Upfront cash ≈ HK$24.94M (deposit + AVD stamp duty HK$2,395,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,929
−HK$11,283/mo
▼ 0.25% · 3.875%
HK$185,526
−HK$5,686/mo
Today · 4.125%
HK$191,212
baseline
▲ 0.50% · 4.625%
HK$202,847
+HK$11,635/mo
Deposit HK$16.91M · loan HK$39.45M · min. income ≈ HK$382,424/mo (50% DSR)
Upfront cash ≈ HK$19.30M (deposit + AVD stamp duty HK$2,395,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,169
−HK$10,814/mo
▼ 0.25% · 3.875%
HK$205,537
−HK$5,446/mo
Today · 4.125%
HK$210,983
baseline
▲ 0.50% · 4.625%
HK$222,105
+HK$11,122/mo
Deposit HK$16.91M · loan HK$39.45M · min. income ≈ HK$421,966/mo (50% DSR)
Upfront cash ≈ HK$19.30M (deposit + AVD stamp duty HK$2,395,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,337
−HK$14,507/mo
▼ 0.25% · 3.875%
HK$238,533
−HK$7,311/mo
Today · 4.125%
HK$245,844
baseline
▲ 0.50% · 4.625%
HK$260,803
+HK$14,959/mo
Deposit HK$5.64M · loan HK$50.73M · min. income ≈ HK$491,688/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$2,395,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,360
−HK$13,904/mo
▼ 0.25% · 3.875%
HK$264,262
−HK$7,002/mo
Today · 4.125%
HK$271,264
baseline
▲ 0.50% · 4.625%
HK$285,563
+HK$14,299/mo
Deposit HK$5.64M · loan HK$50.73M · min. income ≈ HK$542,528/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$2,395,399 · Scale 2, in force from 26 Feb 2026)