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$133,983
−HK$8,402/mo
▼ 0.25% · 3.875%
HK$138,151
−HK$4,234/mo
Today · 4.125%
HK$142,385
baseline
▲ 0.50% · 4.625%
HK$151,049
+HK$8,664/mo
Deposit HK$29.38M · loan HK$29.38M · min. income ≈ HK$284,770/mo (50% DSR)
Upfront cash ≈ HK$31.88M (deposit + AVD stamp duty HK$2,497,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,055
−HK$8,053/mo
▼ 0.25% · 3.875%
HK$153,052
−HK$4,056/mo
Today · 4.125%
HK$157,108
baseline
▲ 0.50% · 4.625%
HK$165,389
+HK$8,281/mo
Deposit HK$29.38M · loan HK$29.38M · min. income ≈ HK$314,216/mo (50% DSR)
Upfront cash ≈ HK$31.88M (deposit + AVD stamp duty HK$2,497,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,780
−HK$10,082/mo
▼ 0.25% · 3.875%
HK$165,781
−HK$5,081/mo
Today · 4.125%
HK$170,862
baseline
▲ 0.50% · 4.625%
HK$181,259
+HK$10,397/mo
Deposit HK$23.50M · loan HK$35.25M · min. income ≈ HK$341,724/mo (50% DSR)
Upfront cash ≈ HK$26.00M (deposit + AVD stamp duty HK$2,497,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,866
−HK$9,663/mo
▼ 0.25% · 3.875%
HK$183,663
−HK$4,866/mo
Today · 4.125%
HK$188,529
baseline
▲ 0.50% · 4.625%
HK$198,467
+HK$9,938/mo
Deposit HK$23.50M · loan HK$35.25M · min. income ≈ HK$377,058/mo (50% DSR)
Upfront cash ≈ HK$26.00M (deposit + AVD stamp duty HK$2,497,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,576
−HK$11,763/mo
▼ 0.25% · 3.875%
HK$193,411
−HK$5,928/mo
Today · 4.125%
HK$199,339
baseline
▲ 0.50% · 4.625%
HK$211,468
+HK$12,129/mo
Deposit HK$17.63M · loan HK$41.13M · min. income ≈ HK$398,678/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$2,497,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,677
−HK$11,274/mo
▼ 0.25% · 3.875%
HK$214,273
−HK$5,678/mo
Today · 4.125%
HK$219,951
baseline
▲ 0.50% · 4.625%
HK$231,545
+HK$11,594/mo
Deposit HK$17.63M · loan HK$41.13M · min. income ≈ HK$439,902/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$2,497,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,170
−HK$15,123/mo
▼ 0.25% · 3.875%
HK$248,671
−HK$7,622/mo
Today · 4.125%
HK$256,293
baseline
▲ 0.50% · 4.625%
HK$271,888
+HK$15,595/mo
Deposit HK$5.88M · loan HK$52.88M · min. income ≈ HK$512,586/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$2,497,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$268,299
−HK$14,495/mo
▼ 0.25% · 3.875%
HK$275,494
−HK$7,300/mo
Today · 4.125%
HK$282,794
baseline
▲ 0.50% · 4.625%
HK$297,701
+HK$14,907/mo
Deposit HK$5.88M · loan HK$52.88M · min. income ≈ HK$565,588/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$2,497,211 · Scale 2, in force from 26 Feb 2026)