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$129,959
−HK$8,150/mo
▼ 0.25% · 3.875%
HK$134,002
−HK$4,107/mo
Today · 4.125%
HK$138,109
baseline
▲ 0.50% · 4.625%
HK$146,512
+HK$8,403/mo
Deposit HK$28.50M · loan HK$28.50M · min. income ≈ HK$276,218/mo (50% DSR)
Upfront cash ≈ HK$30.92M (deposit + AVD stamp duty HK$2,422,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,578
−HK$7,812/mo
▼ 0.25% · 3.875%
HK$148,456
−HK$3,934/mo
Today · 4.125%
HK$152,390
baseline
▲ 0.50% · 4.625%
HK$160,422
+HK$8,032/mo
Deposit HK$28.50M · loan HK$28.50M · min. income ≈ HK$304,780/mo (50% DSR)
Upfront cash ≈ HK$30.92M (deposit + AVD stamp duty HK$2,422,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,951
−HK$9,780/mo
▼ 0.25% · 3.875%
HK$160,802
−HK$4,929/mo
Today · 4.125%
HK$165,731
baseline
▲ 0.50% · 4.625%
HK$175,815
+HK$10,084/mo
Deposit HK$22.80M · loan HK$34.20M · min. income ≈ HK$331,462/mo (50% DSR)
Upfront cash ≈ HK$25.22M (deposit + AVD stamp duty HK$2,422,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,494
−HK$9,373/mo
▼ 0.25% · 3.875%
HK$178,147
−HK$4,720/mo
Today · 4.125%
HK$182,867
baseline
▲ 0.50% · 4.625%
HK$192,507
+HK$9,640/mo
Deposit HK$22.80M · loan HK$34.20M · min. income ≈ HK$365,734/mo (50% DSR)
Upfront cash ≈ HK$25.22M (deposit + AVD stamp duty HK$2,422,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,943
−HK$11,409/mo
▼ 0.25% · 3.875%
HK$187,602
−HK$5,750/mo
Today · 4.125%
HK$193,352
baseline
▲ 0.50% · 4.625%
HK$205,117
+HK$11,765/mo
Deposit HK$17.10M · loan HK$39.90M · min. income ≈ HK$386,704/mo (50% DSR)
Upfront cash ≈ HK$19.52M (deposit + AVD stamp duty HK$2,422,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,410
−HK$10,935/mo
▼ 0.25% · 3.875%
HK$207,838
−HK$5,507/mo
Today · 4.125%
HK$213,345
baseline
▲ 0.50% · 4.625%
HK$224,591
+HK$11,246/mo
Deposit HK$17.10M · loan HK$39.90M · min. income ≈ HK$426,690/mo (50% DSR)
Upfront cash ≈ HK$19.52M (deposit + AVD stamp duty HK$2,422,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,927
−HK$14,669/mo
▼ 0.25% · 3.875%
HK$241,203
−HK$7,393/mo
Today · 4.125%
HK$248,596
baseline
▲ 0.50% · 4.625%
HK$263,722
+HK$15,126/mo
Deposit HK$5.70M · loan HK$51.29M · min. income ≈ HK$497,192/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$2,422,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,241
−HK$14,060/mo
▼ 0.25% · 3.875%
HK$267,221
−HK$7,080/mo
Today · 4.125%
HK$274,301
baseline
▲ 0.50% · 4.625%
HK$288,760
+HK$14,459/mo
Deposit HK$5.70M · loan HK$51.29M · min. income ≈ HK$548,602/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$2,422,215 · Scale 2, in force from 26 Feb 2026)