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$127,897
−HK$8,020/mo
▼ 0.25% · 3.875%
HK$131,875
−HK$4,042/mo
Today · 4.125%
HK$135,917
baseline
▲ 0.50% · 4.625%
HK$144,187
+HK$8,270/mo
Deposit HK$28.04M · loan HK$28.04M · min. income ≈ HK$271,834/mo (50% DSR)
Upfront cash ≈ HK$30.43M (deposit + AVD stamp duty HK$2,383,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,284
−HK$7,687/mo
▼ 0.25% · 3.875%
HK$146,100
−HK$3,871/mo
Today · 4.125%
HK$149,971
baseline
▲ 0.50% · 4.625%
HK$157,876
+HK$7,905/mo
Deposit HK$28.04M · loan HK$28.04M · min. income ≈ HK$299,942/mo (50% DSR)
Upfront cash ≈ HK$30.43M (deposit + AVD stamp duty HK$2,383,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,476
−HK$9,624/mo
▼ 0.25% · 3.875%
HK$158,250
−HK$4,850/mo
Today · 4.125%
HK$163,100
baseline
▲ 0.50% · 4.625%
HK$173,024
+HK$9,924/mo
Deposit HK$22.44M · loan HK$33.65M · min. income ≈ HK$326,200/mo (50% DSR)
Upfront cash ≈ HK$24.82M (deposit + AVD stamp duty HK$2,383,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,740
−HK$9,225/mo
▼ 0.25% · 3.875%
HK$175,320
−HK$4,645/mo
Today · 4.125%
HK$179,965
baseline
▲ 0.50% · 4.625%
HK$189,451
+HK$9,486/mo
Deposit HK$22.44M · loan HK$33.65M · min. income ≈ HK$359,930/mo (50% DSR)
Upfront cash ≈ HK$24.82M (deposit + AVD stamp duty HK$2,383,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,055
−HK$11,229/mo
▼ 0.25% · 3.875%
HK$184,625
−HK$5,659/mo
Today · 4.125%
HK$190,284
baseline
▲ 0.50% · 4.625%
HK$201,862
+HK$11,578/mo
Deposit HK$16.83M · loan HK$39.26M · min. income ≈ HK$380,568/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$2,383,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,197
−HK$10,762/mo
▼ 0.25% · 3.875%
HK$204,539
−HK$5,420/mo
Today · 4.125%
HK$209,959
baseline
▲ 0.50% · 4.625%
HK$221,026
+HK$11,067/mo
Deposit HK$16.83M · loan HK$39.26M · min. income ≈ HK$419,918/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$2,383,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,214
−HK$14,436/mo
▼ 0.25% · 3.875%
HK$237,375
−HK$7,275/mo
Today · 4.125%
HK$244,650
baseline
▲ 0.50% · 4.625%
HK$259,537
+HK$14,887/mo
Deposit HK$5.61M · loan HK$50.48M · min. income ≈ HK$489,300/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$2,383,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,111
−HK$13,836/mo
▼ 0.25% · 3.875%
HK$262,979
−HK$6,968/mo
Today · 4.125%
HK$269,947
baseline
▲ 0.50% · 4.625%
HK$284,177
+HK$14,230/mo
Deposit HK$5.61M · loan HK$50.48M · min. income ≈ HK$539,894/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$2,383,769 · Scale 2, in force from 26 Feb 2026)