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$135,972
−HK$8,527/mo
▼ 0.25% · 3.875%
HK$140,202
−HK$4,297/mo
Today · 4.125%
HK$144,499
baseline
▲ 0.50% · 4.625%
HK$153,291
+HK$8,792/mo
Deposit HK$29.82M · loan HK$29.82M · min. income ≈ HK$288,998/mo (50% DSR)
Upfront cash ≈ HK$32.35M (deposit + AVD stamp duty HK$2,534,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,268
−HK$8,172/mo
▼ 0.25% · 3.875%
HK$155,325
−HK$4,115/mo
Today · 4.125%
HK$159,440
baseline
▲ 0.50% · 4.625%
HK$167,845
+HK$8,405/mo
Deposit HK$29.82M · loan HK$29.82M · min. income ≈ HK$318,880/mo (50% DSR)
Upfront cash ≈ HK$32.35M (deposit + AVD stamp duty HK$2,534,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,167
−HK$10,232/mo
▼ 0.25% · 3.875%
HK$168,242
−HK$5,157/mo
Today · 4.125%
HK$173,399
baseline
▲ 0.50% · 4.625%
HK$183,950
+HK$10,551/mo
Deposit HK$23.85M · loan HK$35.78M · min. income ≈ HK$346,798/mo (50% DSR)
Upfront cash ≈ HK$26.39M (deposit + AVD stamp duty HK$2,534,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,521
−HK$9,807/mo
▼ 0.25% · 3.875%
HK$186,390
−HK$4,938/mo
Today · 4.125%
HK$191,328
baseline
▲ 0.50% · 4.625%
HK$201,414
+HK$10,086/mo
Deposit HK$23.85M · loan HK$35.78M · min. income ≈ HK$382,656/mo (50% DSR)
Upfront cash ≈ HK$26.39M (deposit + AVD stamp duty HK$2,534,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,361
−HK$11,938/mo
▼ 0.25% · 3.875%
HK$196,283
−HK$6,016/mo
Today · 4.125%
HK$202,299
baseline
▲ 0.50% · 4.625%
HK$214,608
+HK$12,309/mo
Deposit HK$17.89M · loan HK$41.74M · min. income ≈ HK$404,598/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$2,534,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,775
−HK$11,442/mo
▼ 0.25% · 3.875%
HK$217,455
−HK$5,762/mo
Today · 4.125%
HK$223,217
baseline
▲ 0.50% · 4.625%
HK$234,983
+HK$11,766/mo
Deposit HK$17.89M · loan HK$41.74M · min. income ≈ HK$446,434/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$2,534,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,750
−HK$15,348/mo
▼ 0.25% · 3.875%
HK$252,363
−HK$7,735/mo
Today · 4.125%
HK$260,098
baseline
▲ 0.50% · 4.625%
HK$275,924
+HK$15,826/mo
Deposit HK$5.96M · loan HK$53.67M · min. income ≈ HK$520,196/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$2,534,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,282
−HK$14,711/mo
▼ 0.25% · 3.875%
HK$279,585
−HK$7,408/mo
Today · 4.125%
HK$286,993
baseline
▲ 0.50% · 4.625%
HK$302,120
+HK$15,127/mo
Deposit HK$5.96M · loan HK$53.67M · min. income ≈ HK$573,986/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$2,534,287 · Scale 2, in force from 26 Feb 2026)