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$128,154
−HK$8,036/mo
▼ 0.25% · 3.875%
HK$132,140
−HK$4,050/mo
Today · 4.125%
HK$136,190
baseline
▲ 0.50% · 4.625%
HK$144,477
+HK$8,287/mo
Deposit HK$28.10M · loan HK$28.10M · min. income ≈ HK$272,380/mo (50% DSR)
Upfront cash ≈ HK$30.49M (deposit + AVD stamp duty HK$2,388,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,570
−HK$7,702/mo
▼ 0.25% · 3.875%
HK$146,393
−HK$3,879/mo
Today · 4.125%
HK$150,272
baseline
▲ 0.50% · 4.625%
HK$158,193
+HK$7,921/mo
Deposit HK$28.10M · loan HK$28.10M · min. income ≈ HK$300,544/mo (50% DSR)
Upfront cash ≈ HK$30.49M (deposit + AVD stamp duty HK$2,388,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,784
−HK$9,644/mo
▼ 0.25% · 3.875%
HK$158,568
−HK$4,860/mo
Today · 4.125%
HK$163,428
baseline
▲ 0.50% · 4.625%
HK$173,372
+HK$9,944/mo
Deposit HK$22.48M · loan HK$33.72M · min. income ≈ HK$326,856/mo (50% DSR)
Upfront cash ≈ HK$24.87M (deposit + AVD stamp duty HK$2,388,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,084
−HK$9,243/mo
▼ 0.25% · 3.875%
HK$175,672
−HK$4,655/mo
Today · 4.125%
HK$180,327
baseline
▲ 0.50% · 4.625%
HK$189,832
+HK$9,505/mo
Deposit HK$22.48M · loan HK$33.72M · min. income ≈ HK$360,654/mo (50% DSR)
Upfront cash ≈ HK$24.87M (deposit + AVD stamp duty HK$2,388,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,415
−HK$11,251/mo
▼ 0.25% · 3.875%
HK$184,996
−HK$5,670/mo
Today · 4.125%
HK$190,666
baseline
▲ 0.50% · 4.625%
HK$202,268
+HK$11,602/mo
Deposit HK$16.86M · loan HK$39.34M · min. income ≈ HK$381,332/mo (50% DSR)
Upfront cash ≈ HK$19.25M (deposit + AVD stamp duty HK$2,388,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,597
−HK$10,784/mo
▼ 0.25% · 3.875%
HK$204,951
−HK$5,430/mo
Today · 4.125%
HK$210,381
baseline
▲ 0.50% · 4.625%
HK$221,471
+HK$11,090/mo
Deposit HK$16.86M · loan HK$39.34M · min. income ≈ HK$420,762/mo (50% DSR)
Upfront cash ≈ HK$19.25M (deposit + AVD stamp duty HK$2,388,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,677
−HK$14,465/mo
▼ 0.25% · 3.875%
HK$237,852
−HK$7,290/mo
Today · 4.125%
HK$245,142
baseline
▲ 0.50% · 4.625%
HK$260,058
+HK$14,916/mo
Deposit HK$5.62M · loan HK$50.58M · min. income ≈ HK$490,284/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$2,388,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,625
−HK$13,865/mo
▼ 0.25% · 3.875%
HK$263,508
−HK$6,982/mo
Today · 4.125%
HK$270,490
baseline
▲ 0.50% · 4.625%
HK$284,748
+HK$14,258/mo
Deposit HK$5.62M · loan HK$50.58M · min. income ≈ HK$540,980/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$2,388,561 · Scale 2, in force from 26 Feb 2026)