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$133,972
−HK$8,402/mo
▼ 0.25% · 3.875%
HK$138,140
−HK$4,234/mo
Today · 4.125%
HK$142,374
baseline
▲ 0.50% · 4.625%
HK$151,037
+HK$8,663/mo
Deposit HK$29.38M · loan HK$29.38M · min. income ≈ HK$284,748/mo (50% DSR)
Upfront cash ≈ HK$31.87M (deposit + AVD stamp duty HK$2,497,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,043
−HK$8,052/mo
▼ 0.25% · 3.875%
HK$153,040
−HK$4,055/mo
Today · 4.125%
HK$157,095
baseline
▲ 0.50% · 4.625%
HK$165,376
+HK$8,281/mo
Deposit HK$29.38M · loan HK$29.38M · min. income ≈ HK$314,190/mo (50% DSR)
Upfront cash ≈ HK$31.87M (deposit + AVD stamp duty HK$2,497,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,767
−HK$10,081/mo
▼ 0.25% · 3.875%
HK$165,768
−HK$5,080/mo
Today · 4.125%
HK$170,848
baseline
▲ 0.50% · 4.625%
HK$181,244
+HK$10,396/mo
Deposit HK$23.50M · loan HK$35.25M · min. income ≈ HK$341,696/mo (50% DSR)
Upfront cash ≈ HK$26.00M (deposit + AVD stamp duty HK$2,497,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,852
−HK$9,662/mo
▼ 0.25% · 3.875%
HK$183,648
−HK$4,866/mo
Today · 4.125%
HK$188,514
baseline
▲ 0.50% · 4.625%
HK$198,451
+HK$9,937/mo
Deposit HK$23.50M · loan HK$35.25M · min. income ≈ HK$377,028/mo (50% DSR)
Upfront cash ≈ HK$26.00M (deposit + AVD stamp duty HK$2,497,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,561
−HK$11,762/mo
▼ 0.25% · 3.875%
HK$193,396
−HK$5,927/mo
Today · 4.125%
HK$199,323
baseline
▲ 0.50% · 4.625%
HK$211,452
+HK$12,129/mo
Deposit HK$17.63M · loan HK$41.13M · min. income ≈ HK$398,646/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$2,497,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,660
−HK$11,273/mo
▼ 0.25% · 3.875%
HK$214,256
−HK$5,677/mo
Today · 4.125%
HK$219,933
baseline
▲ 0.50% · 4.625%
HK$231,526
+HK$11,593/mo
Deposit HK$17.63M · loan HK$41.13M · min. income ≈ HK$439,866/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$2,497,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,150
−HK$15,123/mo
▼ 0.25% · 3.875%
HK$248,652
−HK$7,621/mo
Today · 4.125%
HK$256,273
baseline
▲ 0.50% · 4.625%
HK$271,866
+HK$15,593/mo
Deposit HK$5.88M · loan HK$52.88M · min. income ≈ HK$512,546/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$2,497,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,277
−HK$14,495/mo
▼ 0.25% · 3.875%
HK$275,472
−HK$7,300/mo
Today · 4.125%
HK$282,772
baseline
▲ 0.50% · 4.625%
HK$297,677
+HK$14,905/mo
Deposit HK$5.88M · loan HK$52.88M · min. income ≈ HK$565,544/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$2,497,013 · Scale 2, in force from 26 Feb 2026)