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$134,538
−HK$8,437/mo
▼ 0.25% · 3.875%
HK$138,723
−HK$4,252/mo
Today · 4.125%
HK$142,975
baseline
▲ 0.50% · 4.625%
HK$151,674
+HK$8,699/mo
Deposit HK$29.50M · loan HK$29.50M · min. income ≈ HK$285,950/mo (50% DSR)
Upfront cash ≈ HK$32.01M (deposit + AVD stamp duty HK$2,507,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,672
−HK$8,087/mo
▼ 0.25% · 3.875%
HK$153,686
−HK$4,073/mo
Today · 4.125%
HK$157,759
baseline
▲ 0.50% · 4.625%
HK$166,074
+HK$8,315/mo
Deposit HK$29.50M · loan HK$29.50M · min. income ≈ HK$315,518/mo (50% DSR)
Upfront cash ≈ HK$32.01M (deposit + AVD stamp duty HK$2,507,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,446
−HK$10,124/mo
▼ 0.25% · 3.875%
HK$166,468
−HK$5,102/mo
Today · 4.125%
HK$171,570
baseline
▲ 0.50% · 4.625%
HK$182,009
+HK$10,439/mo
Deposit HK$23.60M · loan HK$35.40M · min. income ≈ HK$343,140/mo (50% DSR)
Upfront cash ≈ HK$26.11M (deposit + AVD stamp duty HK$2,507,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,607
−HK$9,703/mo
▼ 0.25% · 3.875%
HK$184,424
−HK$4,886/mo
Today · 4.125%
HK$189,310
baseline
▲ 0.50% · 4.625%
HK$199,289
+HK$9,979/mo
Deposit HK$23.60M · loan HK$35.40M · min. income ≈ HK$378,620/mo (50% DSR)
Upfront cash ≈ HK$26.11M (deposit + AVD stamp duty HK$2,507,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,353
−HK$11,812/mo
▼ 0.25% · 3.875%
HK$194,212
−HK$5,953/mo
Today · 4.125%
HK$200,165
baseline
▲ 0.50% · 4.625%
HK$212,344
+HK$12,179/mo
Deposit HK$17.70M · loan HK$41.30M · min. income ≈ HK$400,330/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$2,507,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,541
−HK$11,321/mo
▼ 0.25% · 3.875%
HK$215,161
−HK$5,701/mo
Today · 4.125%
HK$220,862
baseline
▲ 0.50% · 4.625%
HK$232,504
+HK$11,642/mo
Deposit HK$17.70M · loan HK$41.30M · min. income ≈ HK$441,724/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$2,507,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,169
−HK$15,186/mo
▼ 0.25% · 3.875%
HK$249,701
−HK$7,654/mo
Today · 4.125%
HK$257,355
baseline
▲ 0.50% · 4.625%
HK$273,014
+HK$15,659/mo
Deposit HK$5.90M · loan HK$53.10M · min. income ≈ HK$514,710/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$2,507,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,410
−HK$14,555/mo
▼ 0.25% · 3.875%
HK$276,635
−HK$7,330/mo
Today · 4.125%
HK$283,965
baseline
▲ 0.50% · 4.625%
HK$298,934
+HK$14,969/mo
Deposit HK$5.90M · loan HK$53.10M · min. income ≈ HK$567,930/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$2,507,555 · Scale 2, in force from 26 Feb 2026)