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$136,698
−HK$8,572/mo
▼ 0.25% · 3.875%
HK$140,950
−HK$4,320/mo
Today · 4.125%
HK$145,270
baseline
▲ 0.50% · 4.625%
HK$154,109
+HK$8,839/mo
Deposit HK$29.97M · loan HK$29.97M · min. income ≈ HK$290,540/mo (50% DSR)
Upfront cash ≈ HK$32.52M (deposit + AVD stamp duty HK$2,547,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,075
−HK$8,216/mo
▼ 0.25% · 3.875%
HK$156,153
−HK$4,138/mo
Today · 4.125%
HK$160,291
baseline
▲ 0.50% · 4.625%
HK$168,740
+HK$8,449/mo
Deposit HK$29.97M · loan HK$29.97M · min. income ≈ HK$320,582/mo (50% DSR)
Upfront cash ≈ HK$32.52M (deposit + AVD stamp duty HK$2,547,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,037
−HK$10,287/mo
▼ 0.25% · 3.875%
HK$169,140
−HK$5,184/mo
Today · 4.125%
HK$174,324
baseline
▲ 0.50% · 4.625%
HK$184,931
+HK$10,607/mo
Deposit HK$23.98M · loan HK$35.97M · min. income ≈ HK$348,648/mo (50% DSR)
Upfront cash ≈ HK$26.53M (deposit + AVD stamp duty HK$2,547,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,490
−HK$9,859/mo
▼ 0.25% · 3.875%
HK$187,384
−HK$4,965/mo
Today · 4.125%
HK$192,349
baseline
▲ 0.50% · 4.625%
HK$202,488
+HK$10,139/mo
Deposit HK$23.98M · loan HK$35.97M · min. income ≈ HK$384,698/mo (50% DSR)
Upfront cash ≈ HK$26.53M (deposit + AVD stamp duty HK$2,547,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,377
−HK$12,001/mo
▼ 0.25% · 3.875%
HK$197,329
−HK$6,049/mo
Today · 4.125%
HK$203,378
baseline
▲ 0.50% · 4.625%
HK$215,753
+HK$12,375/mo
Deposit HK$17.98M · loan HK$41.96M · min. income ≈ HK$406,756/mo (50% DSR)
Upfront cash ≈ HK$20.53M (deposit + AVD stamp duty HK$2,547,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,905
−HK$11,502/mo
▼ 0.25% · 3.875%
HK$218,615
−HK$5,792/mo
Today · 4.125%
HK$224,407
baseline
▲ 0.50% · 4.625%
HK$236,236
+HK$11,829/mo
Deposit HK$17.98M · loan HK$41.96M · min. income ≈ HK$448,814/mo (50% DSR)
Upfront cash ≈ HK$20.53M (deposit + AVD stamp duty HK$2,547,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,056
−HK$15,429/mo
▼ 0.25% · 3.875%
HK$253,709
−HK$7,776/mo
Today · 4.125%
HK$261,485
baseline
▲ 0.50% · 4.625%
HK$277,396
+HK$15,911/mo
Deposit HK$5.99M · loan HK$53.95M · min. income ≈ HK$522,970/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$2,547,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,734
−HK$14,789/mo
▼ 0.25% · 3.875%
HK$281,076
−HK$7,447/mo
Today · 4.125%
HK$288,523
baseline
▲ 0.50% · 4.625%
HK$303,732
+HK$15,209/mo
Deposit HK$5.99M · loan HK$53.95M · min. income ≈ HK$577,046/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$2,547,805 · Scale 2, in force from 26 Feb 2026)