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$128,733
−HK$8,072/mo
▼ 0.25% · 3.875%
HK$132,737
−HK$4,068/mo
Today · 4.125%
HK$136,805
baseline
▲ 0.50% · 4.625%
HK$145,130
+HK$8,325/mo
Deposit HK$28.23M · loan HK$28.23M · min. income ≈ HK$273,610/mo (50% DSR)
Upfront cash ≈ HK$30.63M (deposit + AVD stamp duty HK$2,399,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,214
−HK$7,737/mo
▼ 0.25% · 3.875%
HK$147,055
−HK$3,896/mo
Today · 4.125%
HK$150,951
baseline
▲ 0.50% · 4.625%
HK$158,908
+HK$7,957/mo
Deposit HK$28.23M · loan HK$28.23M · min. income ≈ HK$301,902/mo (50% DSR)
Upfront cash ≈ HK$30.63M (deposit + AVD stamp duty HK$2,399,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,479
−HK$9,688/mo
▼ 0.25% · 3.875%
HK$159,284
−HK$4,883/mo
Today · 4.125%
HK$164,167
baseline
▲ 0.50% · 4.625%
HK$174,156
+HK$9,989/mo
Deposit HK$22.58M · loan HK$33.87M · min. income ≈ HK$328,334/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$2,399,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,857
−HK$9,285/mo
▼ 0.25% · 3.875%
HK$176,466
−HK$4,676/mo
Today · 4.125%
HK$181,142
baseline
▲ 0.50% · 4.625%
HK$190,690
+HK$9,548/mo
Deposit HK$22.58M · loan HK$33.87M · min. income ≈ HK$362,284/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$2,399,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,226
−HK$11,302/mo
▼ 0.25% · 3.875%
HK$185,832
−HK$5,696/mo
Today · 4.125%
HK$191,528
baseline
▲ 0.50% · 4.625%
HK$203,182
+HK$11,654/mo
Deposit HK$16.94M · loan HK$39.52M · min. income ≈ HK$383,056/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$2,399,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,499
−HK$10,833/mo
▼ 0.25% · 3.875%
HK$205,877
−HK$5,455/mo
Today · 4.125%
HK$211,332
baseline
▲ 0.50% · 4.625%
HK$222,471
+HK$11,139/mo
Deposit HK$16.94M · loan HK$39.52M · min. income ≈ HK$422,664/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$2,399,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,719
−HK$14,531/mo
▼ 0.25% · 3.875%
HK$238,927
−HK$7,323/mo
Today · 4.125%
HK$246,250
baseline
▲ 0.50% · 4.625%
HK$261,233
+HK$14,983/mo
Deposit HK$5.65M · loan HK$50.81M · min. income ≈ HK$492,500/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$2,399,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,785
−HK$13,927/mo
▼ 0.25% · 3.875%
HK$264,699
−HK$7,013/mo
Today · 4.125%
HK$271,712
baseline
▲ 0.50% · 4.625%
HK$286,035
+HK$14,323/mo
Deposit HK$5.65M · loan HK$50.81M · min. income ≈ HK$543,424/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$2,399,354 · Scale 2, in force from 26 Feb 2026)