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$132,874
−HK$8,332/mo
▼ 0.25% · 3.875%
HK$137,007
−HK$4,199/mo
Today · 4.125%
HK$141,206
baseline
▲ 0.50% · 4.625%
HK$149,799
+HK$8,593/mo
Deposit HK$29.14M · loan HK$29.14M · min. income ≈ HK$282,412/mo (50% DSR)
Upfront cash ≈ HK$31.61M (deposit + AVD stamp duty HK$2,476,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,821
−HK$7,986/mo
▼ 0.25% · 3.875%
HK$151,786
−HK$4,021/mo
Today · 4.125%
HK$155,807
baseline
▲ 0.50% · 4.625%
HK$164,020
+HK$8,213/mo
Deposit HK$29.14M · loan HK$29.14M · min. income ≈ HK$311,614/mo (50% DSR)
Upfront cash ≈ HK$31.61M (deposit + AVD stamp duty HK$2,476,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,449
−HK$9,999/mo
▼ 0.25% · 3.875%
HK$164,409
−HK$5,039/mo
Today · 4.125%
HK$169,448
baseline
▲ 0.50% · 4.625%
HK$179,758
+HK$10,310/mo
Deposit HK$23.31M · loan HK$34.96M · min. income ≈ HK$338,896/mo (50% DSR)
Upfront cash ≈ HK$25.79M (deposit + AVD stamp duty HK$2,476,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,385
−HK$9,584/mo
▼ 0.25% · 3.875%
HK$182,143
−HK$4,826/mo
Today · 4.125%
HK$186,969
baseline
▲ 0.50% · 4.625%
HK$196,824
+HK$9,855/mo
Deposit HK$23.31M · loan HK$34.96M · min. income ≈ HK$373,938/mo (50% DSR)
Upfront cash ≈ HK$25.79M (deposit + AVD stamp duty HK$2,476,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,024
−HK$11,665/mo
▼ 0.25% · 3.875%
HK$191,810
−HK$5,879/mo
Today · 4.125%
HK$197,689
baseline
▲ 0.50% · 4.625%
HK$209,718
+HK$12,029/mo
Deposit HK$17.48M · loan HK$40.79M · min. income ≈ HK$395,378/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$2,476,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,950
−HK$11,180/mo
▼ 0.25% · 3.875%
HK$212,500
−HK$5,630/mo
Today · 4.125%
HK$218,130
baseline
▲ 0.50% · 4.625%
HK$229,628
+HK$11,498/mo
Deposit HK$17.48M · loan HK$40.79M · min. income ≈ HK$436,260/mo (50% DSR)
Upfront cash ≈ HK$19.96M (deposit + AVD stamp duty HK$2,476,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,173
−HK$14,999/mo
▼ 0.25% · 3.875%
HK$246,613
−HK$7,559/mo
Today · 4.125%
HK$254,172
baseline
▲ 0.50% · 4.625%
HK$269,637
+HK$15,465/mo
Deposit HK$5.83M · loan HK$52.44M · min. income ≈ HK$508,344/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$2,476,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,078
−HK$14,375/mo
▼ 0.25% · 3.875%
HK$273,214
−HK$7,239/mo
Today · 4.125%
HK$280,453
baseline
▲ 0.50% · 4.625%
HK$295,236
+HK$14,783/mo
Deposit HK$5.83M · loan HK$52.44M · min. income ≈ HK$560,906/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$2,476,541 · Scale 2, in force from 26 Feb 2026)