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$134,764
−HK$8,451/mo
▼ 0.25% · 3.875%
HK$138,956
−HK$4,259/mo
Today · 4.125%
HK$143,215
baseline
▲ 0.50% · 4.625%
HK$151,929
+HK$8,714/mo
Deposit HK$29.55M · loan HK$29.55M · min. income ≈ HK$286,430/mo (50% DSR)
Upfront cash ≈ HK$32.06M (deposit + AVD stamp duty HK$2,511,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,923
−HK$8,100/mo
▼ 0.25% · 3.875%
HK$153,944
−HK$4,079/mo
Today · 4.125%
HK$158,023
baseline
▲ 0.50% · 4.625%
HK$166,353
+HK$8,330/mo
Deposit HK$29.55M · loan HK$29.55M · min. income ≈ HK$316,046/mo (50% DSR)
Upfront cash ≈ HK$32.06M (deposit + AVD stamp duty HK$2,511,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,717
−HK$10,141/mo
▼ 0.25% · 3.875%
HK$166,747
−HK$5,111/mo
Today · 4.125%
HK$171,858
baseline
▲ 0.50% · 4.625%
HK$182,315
+HK$10,457/mo
Deposit HK$23.64M · loan HK$35.46M · min. income ≈ HK$343,716/mo (50% DSR)
Upfront cash ≈ HK$26.15M (deposit + AVD stamp duty HK$2,511,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,908
−HK$9,720/mo
▼ 0.25% · 3.875%
HK$184,733
−HK$4,895/mo
Today · 4.125%
HK$189,628
baseline
▲ 0.50% · 4.625%
HK$199,624
+HK$9,996/mo
Deposit HK$23.64M · loan HK$35.46M · min. income ≈ HK$379,256/mo (50% DSR)
Upfront cash ≈ HK$26.15M (deposit + AVD stamp duty HK$2,511,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,669
−HK$11,832/mo
▼ 0.25% · 3.875%
HK$194,538
−HK$5,963/mo
Today · 4.125%
HK$200,501
baseline
▲ 0.50% · 4.625%
HK$212,701
+HK$12,200/mo
Deposit HK$17.73M · loan HK$41.37M · min. income ≈ HK$401,002/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$2,511,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,893
−HK$11,340/mo
▼ 0.25% · 3.875%
HK$215,522
−HK$5,711/mo
Today · 4.125%
HK$221,233
baseline
▲ 0.50% · 4.625%
HK$232,894
+HK$11,661/mo
Deposit HK$17.73M · loan HK$41.37M · min. income ≈ HK$442,466/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$2,511,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,575
−HK$15,212/mo
▼ 0.25% · 3.875%
HK$250,120
−HK$7,667/mo
Today · 4.125%
HK$257,787
baseline
▲ 0.50% · 4.625%
HK$273,472
+HK$15,685/mo
Deposit HK$5.91M · loan HK$53.19M · min. income ≈ HK$515,574/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$2,511,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,862
−HK$14,580/mo
▼ 0.25% · 3.875%
HK$277,100
−HK$7,342/mo
Today · 4.125%
HK$284,442
baseline
▲ 0.50% · 4.625%
HK$299,435
+HK$14,993/mo
Deposit HK$5.91M · loan HK$53.19M · min. income ≈ HK$568,884/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$2,511,764 · Scale 2, in force from 26 Feb 2026)