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$127,916
−HK$8,022/mo
▼ 0.25% · 3.875%
HK$131,895
−HK$4,043/mo
Today · 4.125%
HK$135,938
baseline
▲ 0.50% · 4.625%
HK$144,209
+HK$8,271/mo
Deposit HK$28.05M · loan HK$28.05M · min. income ≈ HK$271,876/mo (50% DSR)
Upfront cash ≈ HK$30.43M (deposit + AVD stamp duty HK$2,384,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,305
−HK$7,689/mo
▼ 0.25% · 3.875%
HK$146,122
−HK$3,872/mo
Today · 4.125%
HK$149,994
baseline
▲ 0.50% · 4.625%
HK$157,900
+HK$7,906/mo
Deposit HK$28.05M · loan HK$28.05M · min. income ≈ HK$299,988/mo (50% DSR)
Upfront cash ≈ HK$30.43M (deposit + AVD stamp duty HK$2,384,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,499
−HK$9,626/mo
▼ 0.25% · 3.875%
HK$158,274
−HK$4,851/mo
Today · 4.125%
HK$163,125
baseline
▲ 0.50% · 4.625%
HK$173,051
+HK$9,926/mo
Deposit HK$22.44M · loan HK$33.66M · min. income ≈ HK$326,250/mo (50% DSR)
Upfront cash ≈ HK$24.82M (deposit + AVD stamp duty HK$2,384,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,766
−HK$9,226/mo
▼ 0.25% · 3.875%
HK$175,346
−HK$4,646/mo
Today · 4.125%
HK$179,992
baseline
▲ 0.50% · 4.625%
HK$189,480
+HK$9,488/mo
Deposit HK$22.44M · loan HK$33.66M · min. income ≈ HK$359,984/mo (50% DSR)
Upfront cash ≈ HK$24.82M (deposit + AVD stamp duty HK$2,384,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,082
−HK$11,231/mo
▼ 0.25% · 3.875%
HK$184,653
−HK$5,660/mo
Today · 4.125%
HK$190,313
baseline
▲ 0.50% · 4.625%
HK$201,893
+HK$11,580/mo
Deposit HK$16.83M · loan HK$39.27M · min. income ≈ HK$380,626/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$2,384,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,227
−HK$10,764/mo
▼ 0.25% · 3.875%
HK$204,571
−HK$5,420/mo
Today · 4.125%
HK$209,991
baseline
▲ 0.50% · 4.625%
HK$221,060
+HK$11,069/mo
Deposit HK$16.83M · loan HK$39.27M · min. income ≈ HK$419,982/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$2,384,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,249
−HK$14,439/mo
▼ 0.25% · 3.875%
HK$237,411
−HK$7,277/mo
Today · 4.125%
HK$244,688
baseline
▲ 0.50% · 4.625%
HK$259,576
+HK$14,888/mo
Deposit HK$5.61M · loan HK$50.49M · min. income ≈ HK$489,376/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$2,384,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,150
−HK$13,839/mo
▼ 0.25% · 3.875%
HK$263,019
−HK$6,970/mo
Today · 4.125%
HK$269,989
baseline
▲ 0.50% · 4.625%
HK$284,220
+HK$14,231/mo
Deposit HK$5.61M · loan HK$50.49M · min. income ≈ HK$539,978/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$2,384,133 · Scale 2, in force from 26 Feb 2026)