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$127,965
−HK$8,025/mo
▼ 0.25% · 3.875%
HK$131,946
−HK$4,044/mo
Today · 4.125%
HK$135,990
baseline
▲ 0.50% · 4.625%
HK$144,264
+HK$8,274/mo
Deposit HK$28.06M · loan HK$28.06M · min. income ≈ HK$271,980/mo (50% DSR)
Upfront cash ≈ HK$30.44M (deposit + AVD stamp duty HK$2,385,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,360
−HK$7,691/mo
▼ 0.25% · 3.875%
HK$146,178
−HK$3,873/mo
Today · 4.125%
HK$150,051
baseline
▲ 0.50% · 4.625%
HK$157,961
+HK$7,910/mo
Deposit HK$28.06M · loan HK$28.06M · min. income ≈ HK$300,102/mo (50% DSR)
Upfront cash ≈ HK$30.44M (deposit + AVD stamp duty HK$2,385,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,558
−HK$9,630/mo
▼ 0.25% · 3.875%
HK$158,335
−HK$4,853/mo
Today · 4.125%
HK$163,188
baseline
▲ 0.50% · 4.625%
HK$173,117
+HK$9,929/mo
Deposit HK$22.45M · loan HK$33.67M · min. income ≈ HK$326,376/mo (50% DSR)
Upfront cash ≈ HK$24.83M (deposit + AVD stamp duty HK$2,385,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,832
−HK$9,229/mo
▼ 0.25% · 3.875%
HK$175,414
−HK$4,647/mo
Today · 4.125%
HK$180,061
baseline
▲ 0.50% · 4.625%
HK$189,553
+HK$9,492/mo
Deposit HK$22.45M · loan HK$33.67M · min. income ≈ HK$360,122/mo (50% DSR)
Upfront cash ≈ HK$24.83M (deposit + AVD stamp duty HK$2,385,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,151
−HK$11,235/mo
▼ 0.25% · 3.875%
HK$184,724
−HK$5,662/mo
Today · 4.125%
HK$190,386
baseline
▲ 0.50% · 4.625%
HK$201,970
+HK$11,584/mo
Deposit HK$16.84M · loan HK$39.28M · min. income ≈ HK$380,772/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$2,385,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,304
−HK$10,768/mo
▼ 0.25% · 3.875%
HK$204,649
−HK$5,423/mo
Today · 4.125%
HK$210,072
baseline
▲ 0.50% · 4.625%
HK$221,145
+HK$11,073/mo
Deposit HK$16.84M · loan HK$39.28M · min. income ≈ HK$420,144/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$2,385,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,337
−HK$14,444/mo
▼ 0.25% · 3.875%
HK$237,502
−HK$7,279/mo
Today · 4.125%
HK$244,781
baseline
▲ 0.50% · 4.625%
HK$259,676
+HK$14,895/mo
Deposit HK$5.61M · loan HK$50.51M · min. income ≈ HK$489,562/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$2,385,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,248
−HK$13,844/mo
▼ 0.25% · 3.875%
HK$263,120
−HK$6,972/mo
Today · 4.125%
HK$270,092
baseline
▲ 0.50% · 4.625%
HK$284,329
+HK$14,237/mo
Deposit HK$5.61M · loan HK$50.51M · min. income ≈ HK$540,184/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$2,385,048 · Scale 2, in force from 26 Feb 2026)