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$128,499
−HK$8,058/mo
▼ 0.25% · 3.875%
HK$132,496
−HK$4,061/mo
Today · 4.125%
HK$136,557
baseline
▲ 0.50% · 4.625%
HK$144,867
+HK$8,310/mo
Deposit HK$28.18M · loan HK$28.18M · min. income ≈ HK$273,114/mo (50% DSR)
Upfront cash ≈ HK$30.57M (deposit + AVD stamp duty HK$2,395,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,954
−HK$7,724/mo
▼ 0.25% · 3.875%
HK$146,788
−HK$3,890/mo
Today · 4.125%
HK$150,678
baseline
▲ 0.50% · 4.625%
HK$158,620
+HK$7,942/mo
Deposit HK$28.18M · loan HK$28.18M · min. income ≈ HK$301,356/mo (50% DSR)
Upfront cash ≈ HK$30.57M (deposit + AVD stamp duty HK$2,395,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,199
−HK$9,670/mo
▼ 0.25% · 3.875%
HK$158,996
−HK$4,873/mo
Today · 4.125%
HK$163,869
baseline
▲ 0.50% · 4.625%
HK$173,840
+HK$9,971/mo
Deposit HK$22.54M · loan HK$33.81M · min. income ≈ HK$327,738/mo (50% DSR)
Upfront cash ≈ HK$24.94M (deposit + AVD stamp duty HK$2,395,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,545
−HK$9,268/mo
▼ 0.25% · 3.875%
HK$176,146
−HK$4,667/mo
Today · 4.125%
HK$180,813
baseline
▲ 0.50% · 4.625%
HK$190,344
+HK$9,531/mo
Deposit HK$22.54M · loan HK$33.81M · min. income ≈ HK$361,626/mo (50% DSR)
Upfront cash ≈ HK$24.94M (deposit + AVD stamp duty HK$2,395,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,899
−HK$11,281/mo
▼ 0.25% · 3.875%
HK$185,495
−HK$5,685/mo
Today · 4.125%
HK$191,180
baseline
▲ 0.50% · 4.625%
HK$202,813
+HK$11,633/mo
Deposit HK$16.91M · loan HK$39.45M · min. income ≈ HK$382,360/mo (50% DSR)
Upfront cash ≈ HK$19.30M (deposit + AVD stamp duty HK$2,395,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,136
−HK$10,813/mo
▼ 0.25% · 3.875%
HK$205,504
−HK$5,445/mo
Today · 4.125%
HK$210,949
baseline
▲ 0.50% · 4.625%
HK$222,068
+HK$11,119/mo
Deposit HK$16.91M · loan HK$39.45M · min. income ≈ HK$421,898/mo (50% DSR)
Upfront cash ≈ HK$19.30M (deposit + AVD stamp duty HK$2,395,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,299
−HK$14,504/mo
▼ 0.25% · 3.875%
HK$238,494
−HK$7,309/mo
Today · 4.125%
HK$245,803
baseline
▲ 0.50% · 4.625%
HK$260,760
+HK$14,957/mo
Deposit HK$5.64M · loan HK$50.72M · min. income ≈ HK$491,606/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$2,395,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,318
−HK$13,902/mo
▼ 0.25% · 3.875%
HK$264,219
−HK$7,001/mo
Today · 4.125%
HK$271,220
baseline
▲ 0.50% · 4.625%
HK$285,516
+HK$14,296/mo
Deposit HK$5.64M · loan HK$50.72M · min. income ≈ HK$542,440/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$2,395,005 · Scale 2, in force from 26 Feb 2026)