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$128,222
−HK$8,041/mo
▼ 0.25% · 3.875%
HK$132,211
−HK$4,052/mo
Today · 4.125%
HK$136,263
baseline
▲ 0.50% · 4.625%
HK$144,554
+HK$8,291/mo
Deposit HK$28.12M · loan HK$28.12M · min. income ≈ HK$272,526/mo (50% DSR)
Upfront cash ≈ HK$30.51M (deposit + AVD stamp duty HK$2,389,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,646
−HK$7,707/mo
▼ 0.25% · 3.875%
HK$146,471
−HK$3,882/mo
Today · 4.125%
HK$150,353
baseline
▲ 0.50% · 4.625%
HK$158,278
+HK$7,925/mo
Deposit HK$28.12M · loan HK$28.12M · min. income ≈ HK$300,706/mo (50% DSR)
Upfront cash ≈ HK$30.51M (deposit + AVD stamp duty HK$2,389,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,867
−HK$9,648/mo
▼ 0.25% · 3.875%
HK$158,653
−HK$4,862/mo
Today · 4.125%
HK$163,515
baseline
▲ 0.50% · 4.625%
HK$173,465
+HK$9,950/mo
Deposit HK$22.49M · loan HK$33.74M · min. income ≈ HK$327,030/mo (50% DSR)
Upfront cash ≈ HK$24.88M (deposit + AVD stamp duty HK$2,389,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,175
−HK$9,248/mo
▼ 0.25% · 3.875%
HK$175,766
−HK$4,657/mo
Today · 4.125%
HK$180,423
baseline
▲ 0.50% · 4.625%
HK$189,933
+HK$9,510/mo
Deposit HK$22.49M · loan HK$33.74M · min. income ≈ HK$360,846/mo (50% DSR)
Upfront cash ≈ HK$24.88M (deposit + AVD stamp duty HK$2,389,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,511
−HK$11,257/mo
▼ 0.25% · 3.875%
HK$185,095
−HK$5,673/mo
Today · 4.125%
HK$190,768
baseline
▲ 0.50% · 4.625%
HK$202,376
+HK$11,608/mo
Deposit HK$16.87M · loan HK$39.36M · min. income ≈ HK$381,536/mo (50% DSR)
Upfront cash ≈ HK$19.26M (deposit + AVD stamp duty HK$2,389,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,704
−HK$10,790/mo
▼ 0.25% · 3.875%
HK$205,060
−HK$5,434/mo
Today · 4.125%
HK$210,494
baseline
▲ 0.50% · 4.625%
HK$221,589
+HK$11,095/mo
Deposit HK$16.87M · loan HK$39.36M · min. income ≈ HK$420,988/mo (50% DSR)
Upfront cash ≈ HK$19.26M (deposit + AVD stamp duty HK$2,389,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,800
−HK$14,473/mo
▼ 0.25% · 3.875%
HK$237,979
−HK$7,294/mo
Today · 4.125%
HK$245,273
baseline
▲ 0.50% · 4.625%
HK$260,197
+HK$14,924/mo
Deposit HK$5.62M · loan HK$50.61M · min. income ≈ HK$490,546/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$2,389,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,762
−HK$13,873/mo
▼ 0.25% · 3.875%
HK$263,649
−HK$6,986/mo
Today · 4.125%
HK$270,635
baseline
▲ 0.50% · 4.625%
HK$284,900
+HK$14,265/mo
Deposit HK$5.62M · loan HK$50.61M · min. income ≈ HK$541,270/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$2,389,836 · Scale 2, in force from 26 Feb 2026)