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$128,985
−HK$8,089/mo
▼ 0.25% · 3.875%
HK$132,997
−HK$4,077/mo
Today · 4.125%
HK$137,074
baseline
▲ 0.50% · 4.625%
HK$145,414
+HK$8,340/mo
Deposit HK$28.28M · loan HK$28.28M · min. income ≈ HK$274,148/mo (50% DSR)
Upfront cash ≈ HK$30.69M (deposit + AVD stamp duty HK$2,404,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,495
−HK$7,752/mo
▼ 0.25% · 3.875%
HK$147,343
−HK$3,904/mo
Today · 4.125%
HK$151,247
baseline
▲ 0.50% · 4.625%
HK$159,220
+HK$7,973/mo
Deposit HK$28.28M · loan HK$28.28M · min. income ≈ HK$302,494/mo (50% DSR)
Upfront cash ≈ HK$30.69M (deposit + AVD stamp duty HK$2,404,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,782
−HK$9,706/mo
▼ 0.25% · 3.875%
HK$159,597
−HK$4,891/mo
Today · 4.125%
HK$164,488
baseline
▲ 0.50% · 4.625%
HK$174,497
+HK$10,009/mo
Deposit HK$22.63M · loan HK$33.94M · min. income ≈ HK$328,976/mo (50% DSR)
Upfront cash ≈ HK$25.03M (deposit + AVD stamp duty HK$2,404,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,194
−HK$9,303/mo
▼ 0.25% · 3.875%
HK$176,812
−HK$4,685/mo
Today · 4.125%
HK$181,497
baseline
▲ 0.50% · 4.625%
HK$191,064
+HK$9,567/mo
Deposit HK$22.63M · loan HK$33.94M · min. income ≈ HK$362,994/mo (50% DSR)
Upfront cash ≈ HK$25.03M (deposit + AVD stamp duty HK$2,404,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,579
−HK$11,324/mo
▼ 0.25% · 3.875%
HK$186,196
−HK$5,707/mo
Today · 4.125%
HK$191,903
baseline
▲ 0.50% · 4.625%
HK$203,580
+HK$11,677/mo
Deposit HK$16.97M · loan HK$39.60M · min. income ≈ HK$383,806/mo (50% DSR)
Upfront cash ≈ HK$19.37M (deposit + AVD stamp duty HK$2,404,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,893
−HK$10,853/mo
▼ 0.25% · 3.875%
HK$206,280
−HK$5,466/mo
Today · 4.125%
HK$211,746
baseline
▲ 0.50% · 4.625%
HK$222,908
+HK$11,162/mo
Deposit HK$16.97M · loan HK$39.60M · min. income ≈ HK$423,492/mo (50% DSR)
Upfront cash ≈ HK$19.37M (deposit + AVD stamp duty HK$2,404,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$232,173
−HK$14,560/mo
▼ 0.25% · 3.875%
HK$239,395
−HK$7,338/mo
Today · 4.125%
HK$246,733
baseline
▲ 0.50% · 4.625%
HK$261,746
+HK$15,013/mo
Deposit HK$5.66M · loan HK$50.91M · min. income ≈ HK$493,466/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$2,404,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$258,291
−HK$13,954/mo
▼ 0.25% · 3.875%
HK$265,218
−HK$7,027/mo
Today · 4.125%
HK$272,245
baseline
▲ 0.50% · 4.625%
HK$286,596
+HK$14,351/mo
Deposit HK$5.66M · loan HK$50.91M · min. income ≈ HK$544,490/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$2,404,060 · Scale 2, in force from 26 Feb 2026)