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$136,203
−HK$8,541/mo
▼ 0.25% · 3.875%
HK$140,440
−HK$4,304/mo
Today · 4.125%
HK$144,744
baseline
▲ 0.50% · 4.625%
HK$153,552
+HK$8,808/mo
Deposit HK$29.87M · loan HK$29.87M · min. income ≈ HK$289,488/mo (50% DSR)
Upfront cash ≈ HK$32.40M (deposit + AVD stamp duty HK$2,538,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,525
−HK$8,186/mo
▼ 0.25% · 3.875%
HK$155,588
−HK$4,123/mo
Today · 4.125%
HK$159,711
baseline
▲ 0.50% · 4.625%
HK$168,130
+HK$8,419/mo
Deposit HK$29.87M · loan HK$29.87M · min. income ≈ HK$319,422/mo (50% DSR)
Upfront cash ≈ HK$32.40M (deposit + AVD stamp duty HK$2,538,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,444
−HK$10,249/mo
▼ 0.25% · 3.875%
HK$168,528
−HK$5,165/mo
Today · 4.125%
HK$173,693
baseline
▲ 0.50% · 4.625%
HK$184,262
+HK$10,569/mo
Deposit HK$23.89M · loan HK$35.84M · min. income ≈ HK$347,386/mo (50% DSR)
Upfront cash ≈ HK$26.43M (deposit + AVD stamp duty HK$2,538,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,830
−HK$9,823/mo
▼ 0.25% · 3.875%
HK$186,706
−HK$4,947/mo
Today · 4.125%
HK$191,653
baseline
▲ 0.50% · 4.625%
HK$201,756
+HK$10,103/mo
Deposit HK$23.89M · loan HK$35.84M · min. income ≈ HK$383,306/mo (50% DSR)
Upfront cash ≈ HK$26.43M (deposit + AVD stamp duty HK$2,538,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,684
−HK$11,958/mo
▼ 0.25% · 3.875%
HK$196,616
−HK$6,026/mo
Today · 4.125%
HK$202,642
baseline
▲ 0.50% · 4.625%
HK$214,972
+HK$12,330/mo
Deposit HK$17.92M · loan HK$41.81M · min. income ≈ HK$405,284/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$2,538,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,134
−HK$11,461/mo
▼ 0.25% · 3.875%
HK$217,824
−HK$5,771/mo
Today · 4.125%
HK$223,595
baseline
▲ 0.50% · 4.625%
HK$235,381
+HK$11,786/mo
Deposit HK$17.92M · loan HK$41.81M · min. income ≈ HK$447,190/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$2,538,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,166
−HK$15,374/mo
▼ 0.25% · 3.875%
HK$252,792
−HK$7,748/mo
Today · 4.125%
HK$260,540
baseline
▲ 0.50% · 4.625%
HK$276,393
+HK$15,853/mo
Deposit HK$5.97M · loan HK$53.76M · min. income ≈ HK$521,080/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$2,538,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,744
−HK$14,736/mo
▼ 0.25% · 3.875%
HK$280,059
−HK$7,421/mo
Today · 4.125%
HK$287,480
baseline
▲ 0.50% · 4.625%
HK$302,633
+HK$15,153/mo
Deposit HK$5.97M · loan HK$53.76M · min. income ≈ HK$574,960/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$2,538,589 · Scale 2, in force from 26 Feb 2026)