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$133,955
−HK$8,400/mo
▼ 0.25% · 3.875%
HK$138,122
−HK$4,233/mo
Today · 4.125%
HK$142,355
baseline
▲ 0.50% · 4.625%
HK$151,017
+HK$8,662/mo
Deposit HK$29.37M · loan HK$29.37M · min. income ≈ HK$284,710/mo (50% DSR)
Upfront cash ≈ HK$31.87M (deposit + AVD stamp duty HK$2,496,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,023
−HK$8,052/mo
▼ 0.25% · 3.875%
HK$153,020
−HK$4,055/mo
Today · 4.125%
HK$157,075
baseline
▲ 0.50% · 4.625%
HK$165,354
+HK$8,279/mo
Deposit HK$29.37M · loan HK$29.37M · min. income ≈ HK$314,150/mo (50% DSR)
Upfront cash ≈ HK$31.87M (deposit + AVD stamp duty HK$2,496,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,746
−HK$10,080/mo
▼ 0.25% · 3.875%
HK$165,746
−HK$5,080/mo
Today · 4.125%
HK$170,826
baseline
▲ 0.50% · 4.625%
HK$181,220
+HK$10,394/mo
Deposit HK$23.50M · loan HK$35.25M · min. income ≈ HK$341,652/mo (50% DSR)
Upfront cash ≈ HK$25.99M (deposit + AVD stamp duty HK$2,496,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,828
−HK$9,662/mo
▼ 0.25% · 3.875%
HK$183,624
−HK$4,866/mo
Today · 4.125%
HK$188,490
baseline
▲ 0.50% · 4.625%
HK$198,425
+HK$9,935/mo
Deposit HK$23.50M · loan HK$35.25M · min. income ≈ HK$376,980/mo (50% DSR)
Upfront cash ≈ HK$25.99M (deposit + AVD stamp duty HK$2,496,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,537
−HK$11,760/mo
▼ 0.25% · 3.875%
HK$193,370
−HK$5,927/mo
Today · 4.125%
HK$199,297
baseline
▲ 0.50% · 4.625%
HK$211,424
+HK$12,127/mo
Deposit HK$17.62M · loan HK$41.12M · min. income ≈ HK$398,594/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$2,496,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,633
−HK$11,271/mo
▼ 0.25% · 3.875%
HK$214,228
−HK$5,676/mo
Today · 4.125%
HK$219,904
baseline
▲ 0.50% · 4.625%
HK$231,496
+HK$11,592/mo
Deposit HK$17.62M · loan HK$41.12M · min. income ≈ HK$439,808/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$2,496,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,119
−HK$15,120/mo
▼ 0.25% · 3.875%
HK$248,619
−HK$7,620/mo
Today · 4.125%
HK$256,239
baseline
▲ 0.50% · 4.625%
HK$271,830
+HK$15,591/mo
Deposit HK$5.87M · loan HK$52.87M · min. income ≈ HK$512,478/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$2,496,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,242
−HK$14,492/mo
▼ 0.25% · 3.875%
HK$275,436
−HK$7,298/mo
Today · 4.125%
HK$282,734
baseline
▲ 0.50% · 4.625%
HK$297,638
+HK$14,904/mo
Deposit HK$5.87M · loan HK$52.87M · min. income ≈ HK$565,468/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$2,496,683 · Scale 2, in force from 26 Feb 2026)