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$135,006
−HK$8,466/mo
▼ 0.25% · 3.875%
HK$139,205
−HK$4,267/mo
Today · 4.125%
HK$143,472
baseline
▲ 0.50% · 4.625%
HK$152,202
+HK$8,730/mo
Deposit HK$29.60M · loan HK$29.60M · min. income ≈ HK$286,944/mo (50% DSR)
Upfront cash ≈ HK$32.12M (deposit + AVD stamp duty HK$2,516,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,193
−HK$8,114/mo
▼ 0.25% · 3.875%
HK$154,221
−HK$4,086/mo
Today · 4.125%
HK$158,307
baseline
▲ 0.50% · 4.625%
HK$166,652
+HK$8,345/mo
Deposit HK$29.60M · loan HK$29.60M · min. income ≈ HK$316,614/mo (50% DSR)
Upfront cash ≈ HK$32.12M (deposit + AVD stamp duty HK$2,516,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,007
−HK$10,159/mo
▼ 0.25% · 3.875%
HK$167,046
−HK$5,120/mo
Today · 4.125%
HK$172,166
baseline
▲ 0.50% · 4.625%
HK$182,642
+HK$10,476/mo
Deposit HK$23.68M · loan HK$35.52M · min. income ≈ HK$344,332/mo (50% DSR)
Upfront cash ≈ HK$26.20M (deposit + AVD stamp duty HK$2,516,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,231
−HK$9,737/mo
▼ 0.25% · 3.875%
HK$185,065
−HK$4,903/mo
Today · 4.125%
HK$189,968
baseline
▲ 0.50% · 4.625%
HK$199,982
+HK$10,014/mo
Deposit HK$23.68M · loan HK$35.52M · min. income ≈ HK$379,936/mo (50% DSR)
Upfront cash ≈ HK$26.20M (deposit + AVD stamp duty HK$2,516,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,008
−HK$11,853/mo
▼ 0.25% · 3.875%
HK$194,887
−HK$5,974/mo
Today · 4.125%
HK$200,861
baseline
▲ 0.50% · 4.625%
HK$213,082
+HK$12,221/mo
Deposit HK$17.76M · loan HK$41.44M · min. income ≈ HK$401,722/mo (50% DSR)
Upfront cash ≈ HK$20.28M (deposit + AVD stamp duty HK$2,516,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,270
−HK$11,360/mo
▼ 0.25% · 3.875%
HK$215,909
−HK$5,721/mo
Today · 4.125%
HK$221,630
baseline
▲ 0.50% · 4.625%
HK$233,312
+HK$11,682/mo
Deposit HK$17.76M · loan HK$41.44M · min. income ≈ HK$443,260/mo (50% DSR)
Upfront cash ≈ HK$20.28M (deposit + AVD stamp duty HK$2,516,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,010
−HK$15,239/mo
▼ 0.25% · 3.875%
HK$250,569
−HK$7,680/mo
Today · 4.125%
HK$258,249
baseline
▲ 0.50% · 4.625%
HK$273,963
+HK$15,714/mo
Deposit HK$5.92M · loan HK$53.29M · min. income ≈ HK$516,498/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$2,516,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,347
−HK$14,606/mo
▼ 0.25% · 3.875%
HK$277,597
−HK$7,356/mo
Today · 4.125%
HK$284,953
baseline
▲ 0.50% · 4.625%
HK$299,973
+HK$15,020/mo
Deposit HK$5.92M · loan HK$53.29M · min. income ≈ HK$569,906/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$2,516,273 · Scale 2, in force from 26 Feb 2026)