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$133,478
−HK$8,371/mo
▼ 0.25% · 3.875%
HK$137,630
−HK$4,219/mo
Today · 4.125%
HK$141,849
baseline
▲ 0.50% · 4.625%
HK$150,480
+HK$8,631/mo
Deposit HK$29.27M · loan HK$29.27M · min. income ≈ HK$283,698/mo (50% DSR)
Upfront cash ≈ HK$31.76M (deposit + AVD stamp duty HK$2,487,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,493
−HK$8,023/mo
▼ 0.25% · 3.875%
HK$152,476
−HK$4,040/mo
Today · 4.125%
HK$156,516
baseline
▲ 0.50% · 4.625%
HK$164,766
+HK$8,250/mo
Deposit HK$29.27M · loan HK$29.27M · min. income ≈ HK$313,032/mo (50% DSR)
Upfront cash ≈ HK$31.76M (deposit + AVD stamp duty HK$2,487,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,174
−HK$10,044/mo
▼ 0.25% · 3.875%
HK$165,156
−HK$5,062/mo
Today · 4.125%
HK$170,218
baseline
▲ 0.50% · 4.625%
HK$180,576
+HK$10,358/mo
Deposit HK$23.41M · loan HK$35.12M · min. income ≈ HK$340,436/mo (50% DSR)
Upfront cash ≈ HK$25.90M (deposit + AVD stamp duty HK$2,487,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,192
−HK$9,627/mo
▼ 0.25% · 3.875%
HK$182,971
−HK$4,848/mo
Today · 4.125%
HK$187,819
baseline
▲ 0.50% · 4.625%
HK$197,720
+HK$9,901/mo
Deposit HK$23.41M · loan HK$35.12M · min. income ≈ HK$375,638/mo (50% DSR)
Upfront cash ≈ HK$25.90M (deposit + AVD stamp duty HK$2,487,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,870
−HK$11,718/mo
▼ 0.25% · 3.875%
HK$192,683
−HK$5,905/mo
Today · 4.125%
HK$198,588
baseline
▲ 0.50% · 4.625%
HK$210,672
+HK$12,084/mo
Deposit HK$17.56M · loan HK$40.98M · min. income ≈ HK$397,176/mo (50% DSR)
Upfront cash ≈ HK$20.05M (deposit + AVD stamp duty HK$2,487,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,891
−HK$11,232/mo
▼ 0.25% · 3.875%
HK$213,466
−HK$5,657/mo
Today · 4.125%
HK$219,123
baseline
▲ 0.50% · 4.625%
HK$230,673
+HK$11,550/mo
Deposit HK$17.56M · loan HK$40.98M · min. income ≈ HK$438,246/mo (50% DSR)
Upfront cash ≈ HK$20.05M (deposit + AVD stamp duty HK$2,487,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,261
−HK$15,067/mo
▼ 0.25% · 3.875%
HK$247,735
−HK$7,593/mo
Today · 4.125%
HK$255,328
baseline
▲ 0.50% · 4.625%
HK$270,864
+HK$15,536/mo
Deposit HK$5.85M · loan HK$52.68M · min. income ≈ HK$510,656/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$2,487,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,288
−HK$14,441/mo
▼ 0.25% · 3.875%
HK$274,457
−HK$7,272/mo
Today · 4.125%
HK$281,729
baseline
▲ 0.50% · 4.625%
HK$296,579
+HK$14,850/mo
Deposit HK$5.85M · loan HK$52.68M · min. income ≈ HK$563,458/mo (50% DSR)
Upfront cash ≈ HK$8.34M (deposit + AVD stamp duty HK$2,487,806 · Scale 2, in force from 26 Feb 2026)