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$132,851
−HK$8,331/mo
▼ 0.25% · 3.875%
HK$136,983
−HK$4,199/mo
Today · 4.125%
HK$141,182
baseline
▲ 0.50% · 4.625%
HK$149,773
+HK$8,591/mo
Deposit HK$29.13M · loan HK$29.13M · min. income ≈ HK$282,364/mo (50% DSR)
Upfront cash ≈ HK$31.61M (deposit + AVD stamp duty HK$2,476,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,795
−HK$7,985/mo
▼ 0.25% · 3.875%
HK$151,759
−HK$4,021/mo
Today · 4.125%
HK$155,780
baseline
▲ 0.50% · 4.625%
HK$163,992
+HK$8,212/mo
Deposit HK$29.13M · loan HK$29.13M · min. income ≈ HK$311,560/mo (50% DSR)
Upfront cash ≈ HK$31.61M (deposit + AVD stamp duty HK$2,476,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,421
−HK$9,997/mo
▼ 0.25% · 3.875%
HK$164,380
−HK$5,038/mo
Today · 4.125%
HK$169,418
baseline
▲ 0.50% · 4.625%
HK$179,727
+HK$10,309/mo
Deposit HK$23.30M · loan HK$34.96M · min. income ≈ HK$338,836/mo (50% DSR)
Upfront cash ≈ HK$25.78M (deposit + AVD stamp duty HK$2,476,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,355
−HK$9,581/mo
▼ 0.25% · 3.875%
HK$182,111
−HK$4,825/mo
Today · 4.125%
HK$186,936
baseline
▲ 0.50% · 4.625%
HK$196,790
+HK$9,854/mo
Deposit HK$23.30M · loan HK$34.96M · min. income ≈ HK$373,872/mo (50% DSR)
Upfront cash ≈ HK$25.78M (deposit + AVD stamp duty HK$2,476,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,991
−HK$11,664/mo
▼ 0.25% · 3.875%
HK$191,777
−HK$5,878/mo
Today · 4.125%
HK$197,655
baseline
▲ 0.50% · 4.625%
HK$209,682
+HK$12,027/mo
Deposit HK$17.48M · loan HK$40.78M · min. income ≈ HK$395,310/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$2,476,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,914
−HK$11,179/mo
▼ 0.25% · 3.875%
HK$212,463
−HK$5,630/mo
Today · 4.125%
HK$218,093
baseline
▲ 0.50% · 4.625%
HK$229,588
+HK$11,495/mo
Deposit HK$17.48M · loan HK$40.78M · min. income ≈ HK$436,186/mo (50% DSR)
Upfront cash ≈ HK$19.95M (deposit + AVD stamp duty HK$2,476,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,132
−HK$14,996/mo
▼ 0.25% · 3.875%
HK$246,570
−HK$7,558/mo
Today · 4.125%
HK$254,128
baseline
▲ 0.50% · 4.625%
HK$269,591
+HK$15,463/mo
Deposit HK$5.83M · loan HK$52.44M · min. income ≈ HK$508,256/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$2,476,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,032
−HK$14,373/mo
▼ 0.25% · 3.875%
HK$273,167
−HK$7,238/mo
Today · 4.125%
HK$280,405
baseline
▲ 0.50% · 4.625%
HK$295,185
+HK$14,780/mo
Deposit HK$5.83M · loan HK$52.44M · min. income ≈ HK$560,810/mo (50% DSR)
Upfront cash ≈ HK$8.30M (deposit + AVD stamp duty HK$2,476,112 · Scale 2, in force from 26 Feb 2026)