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$136,348
−HK$8,550/mo
▼ 0.25% · 3.875%
HK$140,589
−HK$4,309/mo
Today · 4.125%
HK$144,898
baseline
▲ 0.50% · 4.625%
HK$153,715
+HK$8,817/mo
Deposit HK$29.90M · loan HK$29.90M · min. income ≈ HK$289,796/mo (50% DSR)
Upfront cash ≈ HK$32.44M (deposit + AVD stamp duty HK$2,541,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,685
−HK$8,195/mo
▼ 0.25% · 3.875%
HK$155,753
−HK$4,127/mo
Today · 4.125%
HK$159,880
baseline
▲ 0.50% · 4.625%
HK$168,308
+HK$8,428/mo
Deposit HK$29.90M · loan HK$29.90M · min. income ≈ HK$319,760/mo (50% DSR)
Upfront cash ≈ HK$32.44M (deposit + AVD stamp duty HK$2,541,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,617
−HK$10,260/mo
▼ 0.25% · 3.875%
HK$168,707
−HK$5,170/mo
Today · 4.125%
HK$173,877
baseline
▲ 0.50% · 4.625%
HK$184,457
+HK$10,580/mo
Deposit HK$23.92M · loan HK$35.88M · min. income ≈ HK$347,754/mo (50% DSR)
Upfront cash ≈ HK$26.46M (deposit + AVD stamp duty HK$2,541,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,022
−HK$9,835/mo
▼ 0.25% · 3.875%
HK$186,904
−HK$4,953/mo
Today · 4.125%
HK$191,857
baseline
▲ 0.50% · 4.625%
HK$201,970
+HK$10,113/mo
Deposit HK$23.92M · loan HK$35.88M · min. income ≈ HK$383,714/mo (50% DSR)
Upfront cash ≈ HK$26.46M (deposit + AVD stamp duty HK$2,541,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,887
−HK$11,970/mo
▼ 0.25% · 3.875%
HK$196,824
−HK$6,033/mo
Today · 4.125%
HK$202,857
baseline
▲ 0.50% · 4.625%
HK$215,200
+HK$12,343/mo
Deposit HK$17.94M · loan HK$41.86M · min. income ≈ HK$405,714/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$2,541,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,360
−HK$11,473/mo
▼ 0.25% · 3.875%
HK$218,055
−HK$5,778/mo
Today · 4.125%
HK$223,833
baseline
▲ 0.50% · 4.625%
HK$235,631
+HK$11,798/mo
Deposit HK$17.94M · loan HK$41.86M · min. income ≈ HK$447,666/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$2,541,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$245,426
−HK$15,390/mo
▼ 0.25% · 3.875%
HK$253,060
−HK$7,756/mo
Today · 4.125%
HK$260,816
baseline
▲ 0.50% · 4.625%
HK$276,686
+HK$15,870/mo
Deposit HK$5.98M · loan HK$53.82M · min. income ≈ HK$521,632/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$2,541,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$273,034
−HK$14,751/mo
▼ 0.25% · 3.875%
HK$280,356
−HK$7,429/mo
Today · 4.125%
HK$287,785
baseline
▲ 0.50% · 4.625%
HK$302,954
+HK$15,169/mo
Deposit HK$5.98M · loan HK$53.82M · min. income ≈ HK$575,570/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$2,541,282 · Scale 2, in force from 26 Feb 2026)