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$133,229
−HK$8,355/mo
▼ 0.25% · 3.875%
HK$137,373
−HK$4,211/mo
Today · 4.125%
HK$141,584
baseline
▲ 0.50% · 4.625%
HK$150,199
+HK$8,615/mo
Deposit HK$29.21M · loan HK$29.21M · min. income ≈ HK$283,168/mo (50% DSR)
Upfront cash ≈ HK$31.70M (deposit + AVD stamp duty HK$2,483,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,216
−HK$8,008/mo
▼ 0.25% · 3.875%
HK$152,191
−HK$4,033/mo
Today · 4.125%
HK$156,224
baseline
▲ 0.50% · 4.625%
HK$164,458
+HK$8,234/mo
Deposit HK$29.21M · loan HK$29.21M · min. income ≈ HK$312,448/mo (50% DSR)
Upfront cash ≈ HK$31.70M (deposit + AVD stamp duty HK$2,483,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,875
−HK$10,025/mo
▼ 0.25% · 3.875%
HK$164,848
−HK$5,052/mo
Today · 4.125%
HK$169,900
baseline
▲ 0.50% · 4.625%
HK$180,238
+HK$10,338/mo
Deposit HK$23.37M · loan HK$35.06M · min. income ≈ HK$339,800/mo (50% DSR)
Upfront cash ≈ HK$25.85M (deposit + AVD stamp duty HK$2,483,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,859
−HK$9,609/mo
▼ 0.25% · 3.875%
HK$182,629
−HK$4,839/mo
Today · 4.125%
HK$187,468
baseline
▲ 0.50% · 4.625%
HK$197,350
+HK$9,882/mo
Deposit HK$23.37M · loan HK$35.06M · min. income ≈ HK$374,936/mo (50% DSR)
Upfront cash ≈ HK$25.85M (deposit + AVD stamp duty HK$2,483,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,521
−HK$11,696/mo
▼ 0.25% · 3.875%
HK$192,323
−HK$5,894/mo
Today · 4.125%
HK$198,217
baseline
▲ 0.50% · 4.625%
HK$210,278
+HK$12,061/mo
Deposit HK$17.53M · loan HK$40.90M · min. income ≈ HK$396,434/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$2,483,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,502
−HK$11,211/mo
▼ 0.25% · 3.875%
HK$213,068
−HK$5,645/mo
Today · 4.125%
HK$218,713
baseline
▲ 0.50% · 4.625%
HK$230,242
+HK$11,529/mo
Deposit HK$17.53M · loan HK$40.90M · min. income ≈ HK$437,426/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$2,483,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,812
−HK$15,039/mo
▼ 0.25% · 3.875%
HK$247,272
−HK$7,579/mo
Today · 4.125%
HK$254,851
baseline
▲ 0.50% · 4.625%
HK$270,358
+HK$15,507/mo
Deposit HK$5.84M · loan HK$52.58M · min. income ≈ HK$509,702/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$2,483,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,789
−HK$14,414/mo
▼ 0.25% · 3.875%
HK$273,944
−HK$7,259/mo
Today · 4.125%
HK$281,203
baseline
▲ 0.50% · 4.625%
HK$296,025
+HK$14,822/mo
Deposit HK$5.84M · loan HK$52.58M · min. income ≈ HK$562,406/mo (50% DSR)
Upfront cash ≈ HK$8.33M (deposit + AVD stamp duty HK$2,483,158 · Scale 2, in force from 26 Feb 2026)