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$127,982
−HK$8,026/mo
▼ 0.25% · 3.875%
HK$131,963
−HK$4,045/mo
Today · 4.125%
HK$136,008
baseline
▲ 0.50% · 4.625%
HK$144,284
+HK$8,276/mo
Deposit HK$28.06M · loan HK$28.06M · min. income ≈ HK$272,016/mo (50% DSR)
Upfront cash ≈ HK$30.45M (deposit + AVD stamp duty HK$2,385,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,379
−HK$7,692/mo
▼ 0.25% · 3.875%
HK$146,198
−HK$3,873/mo
Today · 4.125%
HK$150,071
baseline
▲ 0.50% · 4.625%
HK$157,982
+HK$7,911/mo
Deposit HK$28.06M · loan HK$28.06M · min. income ≈ HK$300,142/mo (50% DSR)
Upfront cash ≈ HK$30.45M (deposit + AVD stamp duty HK$2,385,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,579
−HK$9,630/mo
▼ 0.25% · 3.875%
HK$158,356
−HK$4,853/mo
Today · 4.125%
HK$163,209
baseline
▲ 0.50% · 4.625%
HK$173,140
+HK$9,931/mo
Deposit HK$22.45M · loan HK$33.68M · min. income ≈ HK$326,418/mo (50% DSR)
Upfront cash ≈ HK$24.84M (deposit + AVD stamp duty HK$2,385,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,855
−HK$9,231/mo
▼ 0.25% · 3.875%
HK$175,437
−HK$4,649/mo
Today · 4.125%
HK$180,086
baseline
▲ 0.50% · 4.625%
HK$189,578
+HK$9,492/mo
Deposit HK$22.45M · loan HK$33.68M · min. income ≈ HK$360,172/mo (50% DSR)
Upfront cash ≈ HK$24.84M (deposit + AVD stamp duty HK$2,385,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,175
−HK$11,236/mo
▼ 0.25% · 3.875%
HK$184,749
−HK$5,662/mo
Today · 4.125%
HK$190,411
baseline
▲ 0.50% · 4.625%
HK$201,997
+HK$11,586/mo
Deposit HK$16.84M · loan HK$39.29M · min. income ≈ HK$380,822/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$2,385,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,331
−HK$10,769/mo
▼ 0.25% · 3.875%
HK$204,677
−HK$5,423/mo
Today · 4.125%
HK$210,100
baseline
▲ 0.50% · 4.625%
HK$221,174
+HK$11,074/mo
Deposit HK$16.84M · loan HK$39.29M · min. income ≈ HK$420,200/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$2,385,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,368
−HK$14,446/mo
▼ 0.25% · 3.875%
HK$237,534
−HK$7,280/mo
Today · 4.125%
HK$244,814
baseline
▲ 0.50% · 4.625%
HK$259,711
+HK$14,897/mo
Deposit HK$5.61M · loan HK$50.51M · min. income ≈ HK$489,628/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$2,385,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$256,282
−HK$13,846/mo
▼ 0.25% · 3.875%
HK$263,156
−HK$6,972/mo
Today · 4.125%
HK$270,128
baseline
▲ 0.50% · 4.625%
HK$284,367
+HK$14,239/mo
Deposit HK$5.61M · loan HK$50.51M · min. income ≈ HK$540,256/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$2,385,367 · Scale 2, in force from 26 Feb 2026)