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$128,109
−HK$8,033/mo
▼ 0.25% · 3.875%
HK$132,093
−HK$4,049/mo
Today · 4.125%
HK$136,142
baseline
▲ 0.50% · 4.625%
HK$144,426
+HK$8,284/mo
Deposit HK$28.09M · loan HK$28.09M · min. income ≈ HK$272,284/mo (50% DSR)
Upfront cash ≈ HK$30.48M (deposit + AVD stamp duty HK$2,387,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,519
−HK$7,700/mo
▼ 0.25% · 3.875%
HK$146,342
−HK$3,877/mo
Today · 4.125%
HK$150,219
baseline
▲ 0.50% · 4.625%
HK$158,138
+HK$7,919/mo
Deposit HK$28.09M · loan HK$28.09M · min. income ≈ HK$300,438/mo (50% DSR)
Upfront cash ≈ HK$30.48M (deposit + AVD stamp duty HK$2,387,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,730
−HK$9,640/mo
▼ 0.25% · 3.875%
HK$158,512
−HK$4,858/mo
Today · 4.125%
HK$163,370
baseline
▲ 0.50% · 4.625%
HK$173,311
+HK$9,941/mo
Deposit HK$22.47M · loan HK$33.71M · min. income ≈ HK$326,740/mo (50% DSR)
Upfront cash ≈ HK$24.86M (deposit + AVD stamp duty HK$2,387,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,023
−HK$9,240/mo
▼ 0.25% · 3.875%
HK$175,610
−HK$4,653/mo
Today · 4.125%
HK$180,263
baseline
▲ 0.50% · 4.625%
HK$189,765
+HK$9,502/mo
Deposit HK$22.47M · loan HK$33.71M · min. income ≈ HK$360,526/mo (50% DSR)
Upfront cash ≈ HK$24.86M (deposit + AVD stamp duty HK$2,387,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,352
−HK$11,247/mo
▼ 0.25% · 3.875%
HK$184,931
−HK$5,668/mo
Today · 4.125%
HK$190,599
baseline
▲ 0.50% · 4.625%
HK$202,196
+HK$11,597/mo
Deposit HK$16.85M · loan HK$39.33M · min. income ≈ HK$381,198/mo (50% DSR)
Upfront cash ≈ HK$19.24M (deposit + AVD stamp duty HK$2,387,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,527
−HK$10,780/mo
▼ 0.25% · 3.875%
HK$204,878
−HK$5,429/mo
Today · 4.125%
HK$210,307
baseline
▲ 0.50% · 4.625%
HK$221,393
+HK$11,086/mo
Deposit HK$16.85M · loan HK$39.33M · min. income ≈ HK$420,614/mo (50% DSR)
Upfront cash ≈ HK$19.24M (deposit + AVD stamp duty HK$2,387,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,595
−HK$14,461/mo
▼ 0.25% · 3.875%
HK$237,768
−HK$7,288/mo
Today · 4.125%
HK$245,056
baseline
▲ 0.50% · 4.625%
HK$259,967
+HK$14,911/mo
Deposit HK$5.62M · loan HK$50.56M · min. income ≈ HK$490,112/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$2,387,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,535
−HK$13,860/mo
▼ 0.25% · 3.875%
HK$263,415
−HK$6,980/mo
Today · 4.125%
HK$270,395
baseline
▲ 0.50% · 4.625%
HK$284,648
+HK$14,253/mo
Deposit HK$5.62M · loan HK$50.56M · min. income ≈ HK$540,790/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$2,387,720 · Scale 2, in force from 26 Feb 2026)