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$134,067
−HK$8,407/mo
▼ 0.25% · 3.875%
HK$138,237
−HK$4,237/mo
Today · 4.125%
HK$142,474
baseline
▲ 0.50% · 4.625%
HK$151,144
+HK$8,670/mo
Deposit HK$29.40M · loan HK$29.40M · min. income ≈ HK$284,948/mo (50% DSR)
Upfront cash ≈ HK$31.90M (deposit + AVD stamp duty HK$2,498,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,148
−HK$8,058/mo
▼ 0.25% · 3.875%
HK$153,148
−HK$4,058/mo
Today · 4.125%
HK$157,206
baseline
▲ 0.50% · 4.625%
HK$165,493
+HK$8,287/mo
Deposit HK$29.40M · loan HK$29.40M · min. income ≈ HK$314,412/mo (50% DSR)
Upfront cash ≈ HK$31.90M (deposit + AVD stamp duty HK$2,498,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,881
−HK$10,088/mo
▼ 0.25% · 3.875%
HK$165,885
−HK$5,084/mo
Today · 4.125%
HK$170,969
baseline
▲ 0.50% · 4.625%
HK$181,372
+HK$10,403/mo
Deposit HK$23.52M · loan HK$35.28M · min. income ≈ HK$341,938/mo (50% DSR)
Upfront cash ≈ HK$26.02M (deposit + AVD stamp duty HK$2,498,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,978
−HK$9,670/mo
▼ 0.25% · 3.875%
HK$183,778
−HK$4,870/mo
Today · 4.125%
HK$188,648
baseline
▲ 0.50% · 4.625%
HK$198,592
+HK$9,944/mo
Deposit HK$23.52M · loan HK$35.28M · min. income ≈ HK$377,296/mo (50% DSR)
Upfront cash ≈ HK$26.02M (deposit + AVD stamp duty HK$2,498,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,694
−HK$11,770/mo
▼ 0.25% · 3.875%
HK$193,532
−HK$5,932/mo
Today · 4.125%
HK$199,464
baseline
▲ 0.50% · 4.625%
HK$211,601
+HK$12,137/mo
Deposit HK$17.64M · loan HK$41.16M · min. income ≈ HK$398,928/mo (50% DSR)
Upfront cash ≈ HK$20.14M (deposit + AVD stamp duty HK$2,498,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,808
−HK$11,281/mo
▼ 0.25% · 3.875%
HK$214,408
−HK$5,681/mo
Today · 4.125%
HK$220,089
baseline
▲ 0.50% · 4.625%
HK$231,690
+HK$11,601/mo
Deposit HK$17.64M · loan HK$41.16M · min. income ≈ HK$440,178/mo (50% DSR)
Upfront cash ≈ HK$20.14M (deposit + AVD stamp duty HK$2,498,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,321
−HK$15,133/mo
▼ 0.25% · 3.875%
HK$248,827
−HK$7,627/mo
Today · 4.125%
HK$256,454
baseline
▲ 0.50% · 4.625%
HK$272,058
+HK$15,604/mo
Deposit HK$5.88M · loan HK$52.92M · min. income ≈ HK$512,908/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$2,498,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,467
−HK$14,504/mo
▼ 0.25% · 3.875%
HK$275,667
−HK$7,304/mo
Today · 4.125%
HK$282,971
baseline
▲ 0.50% · 4.625%
HK$297,887
+HK$14,916/mo
Deposit HK$5.88M · loan HK$52.92M · min. income ≈ HK$565,942/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$2,498,778 · Scale 2, in force from 26 Feb 2026)