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$135,470
−HK$8,495/mo
▼ 0.25% · 3.875%
HK$139,684
−HK$4,281/mo
Today · 4.125%
HK$143,965
baseline
▲ 0.50% · 4.625%
HK$152,725
+HK$8,760/mo
Deposit HK$29.70M · loan HK$29.70M · min. income ≈ HK$287,930/mo (50% DSR)
Upfront cash ≈ HK$32.23M (deposit + AVD stamp duty HK$2,524,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,709
−HK$8,142/mo
▼ 0.25% · 3.875%
HK$154,751
−HK$4,100/mo
Today · 4.125%
HK$158,851
baseline
▲ 0.50% · 4.625%
HK$167,224
+HK$8,373/mo
Deposit HK$29.70M · loan HK$29.70M · min. income ≈ HK$317,702/mo (50% DSR)
Upfront cash ≈ HK$32.23M (deposit + AVD stamp duty HK$2,524,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,564
−HK$10,194/mo
▼ 0.25% · 3.875%
HK$167,621
−HK$5,137/mo
Today · 4.125%
HK$172,758
baseline
▲ 0.50% · 4.625%
HK$183,270
+HK$10,512/mo
Deposit HK$23.76M · loan HK$35.65M · min. income ≈ HK$345,516/mo (50% DSR)
Upfront cash ≈ HK$26.29M (deposit + AVD stamp duty HK$2,524,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,851
−HK$9,770/mo
▼ 0.25% · 3.875%
HK$185,701
−HK$4,920/mo
Today · 4.125%
HK$190,621
baseline
▲ 0.50% · 4.625%
HK$200,669
+HK$10,048/mo
Deposit HK$23.76M · loan HK$35.65M · min. income ≈ HK$381,242/mo (50% DSR)
Upfront cash ≈ HK$26.29M (deposit + AVD stamp duty HK$2,524,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,658
−HK$11,893/mo
▼ 0.25% · 3.875%
HK$195,557
−HK$5,994/mo
Today · 4.125%
HK$201,551
baseline
▲ 0.50% · 4.625%
HK$213,815
+HK$12,264/mo
Deposit HK$17.82M · loan HK$41.59M · min. income ≈ HK$403,102/mo (50% DSR)
Upfront cash ≈ HK$20.35M (deposit + AVD stamp duty HK$2,524,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,992
−HK$11,400/mo
▼ 0.25% · 3.875%
HK$216,651
−HK$5,741/mo
Today · 4.125%
HK$222,392
baseline
▲ 0.50% · 4.625%
HK$234,114
+HK$11,722/mo
Deposit HK$17.82M · loan HK$41.59M · min. income ≈ HK$444,784/mo (50% DSR)
Upfront cash ≈ HK$20.35M (deposit + AVD stamp duty HK$2,524,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,846
−HK$15,291/mo
▼ 0.25% · 3.875%
HK$251,431
−HK$7,706/mo
Today · 4.125%
HK$259,137
baseline
▲ 0.50% · 4.625%
HK$274,905
+HK$15,768/mo
Deposit HK$5.94M · loan HK$53.47M · min. income ≈ HK$518,274/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$2,524,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$271,276
−HK$14,656/mo
▼ 0.25% · 3.875%
HK$278,551
−HK$7,381/mo
Today · 4.125%
HK$285,932
baseline
▲ 0.50% · 4.625%
HK$301,004
+HK$15,072/mo
Deposit HK$5.94M · loan HK$53.47M · min. income ≈ HK$571,864/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$2,524,923 · Scale 2, in force from 26 Feb 2026)