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$135,300
−HK$8,484/mo
▼ 0.25% · 3.875%
HK$139,508
−HK$4,276/mo
Today · 4.125%
HK$143,784
baseline
▲ 0.50% · 4.625%
HK$152,533
+HK$8,749/mo
Deposit HK$29.67M · loan HK$29.67M · min. income ≈ HK$287,568/mo (50% DSR)
Upfront cash ≈ HK$32.19M (deposit + AVD stamp duty HK$2,521,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,519
−HK$8,132/mo
▼ 0.25% · 3.875%
HK$154,556
−HK$4,095/mo
Today · 4.125%
HK$158,651
baseline
▲ 0.50% · 4.625%
HK$167,014
+HK$8,363/mo
Deposit HK$29.67M · loan HK$29.67M · min. income ≈ HK$317,302/mo (50% DSR)
Upfront cash ≈ HK$32.19M (deposit + AVD stamp duty HK$2,521,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,359
−HK$10,182/mo
▼ 0.25% · 3.875%
HK$167,410
−HK$5,131/mo
Today · 4.125%
HK$172,541
baseline
▲ 0.50% · 4.625%
HK$183,039
+HK$10,498/mo
Deposit HK$23.73M · loan HK$35.60M · min. income ≈ HK$345,082/mo (50% DSR)
Upfront cash ≈ HK$26.26M (deposit + AVD stamp duty HK$2,521,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,623
−HK$9,759/mo
▼ 0.25% · 3.875%
HK$185,467
−HK$4,915/mo
Today · 4.125%
HK$190,382
baseline
▲ 0.50% · 4.625%
HK$200,417
+HK$10,035/mo
Deposit HK$23.73M · loan HK$35.60M · min. income ≈ HK$380,764/mo (50% DSR)
Upfront cash ≈ HK$26.26M (deposit + AVD stamp duty HK$2,521,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,419
−HK$11,879/mo
▼ 0.25% · 3.875%
HK$195,311
−HK$5,987/mo
Today · 4.125%
HK$201,298
baseline
▲ 0.50% · 4.625%
HK$213,546
+HK$12,248/mo
Deposit HK$17.80M · loan HK$41.53M · min. income ≈ HK$402,596/mo (50% DSR)
Upfront cash ≈ HK$20.32M (deposit + AVD stamp duty HK$2,521,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,727
−HK$11,385/mo
▼ 0.25% · 3.875%
HK$216,379
−HK$5,733/mo
Today · 4.125%
HK$222,112
baseline
▲ 0.50% · 4.625%
HK$233,820
+HK$11,708/mo
Deposit HK$17.80M · loan HK$41.53M · min. income ≈ HK$444,224/mo (50% DSR)
Upfront cash ≈ HK$20.32M (deposit + AVD stamp duty HK$2,521,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,539
−HK$15,272/mo
▼ 0.25% · 3.875%
HK$251,115
−HK$7,696/mo
Today · 4.125%
HK$258,811
baseline
▲ 0.50% · 4.625%
HK$274,559
+HK$15,748/mo
Deposit HK$5.93M · loan HK$53.40M · min. income ≈ HK$517,622/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$2,521,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,935
−HK$14,638/mo
▼ 0.25% · 3.875%
HK$278,201
−HK$7,372/mo
Today · 4.125%
HK$285,573
baseline
▲ 0.50% · 4.625%
HK$300,626
+HK$15,053/mo
Deposit HK$5.93M · loan HK$53.40M · min. income ≈ HK$571,146/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$2,521,747 · Scale 2, in force from 26 Feb 2026)