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$134,567
−HK$8,438/mo
▼ 0.25% · 3.875%
HK$138,753
−HK$4,252/mo
Today · 4.125%
HK$143,005
baseline
▲ 0.50% · 4.625%
HK$151,707
+HK$8,702/mo
Deposit HK$29.51M · loan HK$29.51M · min. income ≈ HK$286,010/mo (50% DSR)
Upfront cash ≈ HK$32.02M (deposit + AVD stamp duty HK$2,508,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,704
−HK$8,088/mo
▼ 0.25% · 3.875%
HK$153,719
−HK$4,073/mo
Today · 4.125%
HK$157,792
baseline
▲ 0.50% · 4.625%
HK$166,110
+HK$8,318/mo
Deposit HK$29.51M · loan HK$29.51M · min. income ≈ HK$315,584/mo (50% DSR)
Upfront cash ≈ HK$32.02M (deposit + AVD stamp duty HK$2,508,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,480
−HK$10,126/mo
▼ 0.25% · 3.875%
HK$166,503
−HK$5,103/mo
Today · 4.125%
HK$171,606
baseline
▲ 0.50% · 4.625%
HK$182,048
+HK$10,442/mo
Deposit HK$23.61M · loan HK$35.41M · min. income ≈ HK$343,212/mo (50% DSR)
Upfront cash ≈ HK$26.11M (deposit + AVD stamp duty HK$2,508,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,645
−HK$9,706/mo
▼ 0.25% · 3.875%
HK$184,463
−HK$4,888/mo
Today · 4.125%
HK$189,351
baseline
▲ 0.50% · 4.625%
HK$199,332
+HK$9,981/mo
Deposit HK$23.61M · loan HK$35.41M · min. income ≈ HK$378,702/mo (50% DSR)
Upfront cash ≈ HK$26.11M (deposit + AVD stamp duty HK$2,508,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,394
−HK$11,813/mo
▼ 0.25% · 3.875%
HK$194,254
−HK$5,953/mo
Today · 4.125%
HK$200,207
baseline
▲ 0.50% · 4.625%
HK$212,390
+HK$12,183/mo
Deposit HK$17.70M · loan HK$41.31M · min. income ≈ HK$400,414/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$2,508,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,586
−HK$11,323/mo
▼ 0.25% · 3.875%
HK$215,207
−HK$5,702/mo
Today · 4.125%
HK$220,909
baseline
▲ 0.50% · 4.625%
HK$232,554
+HK$11,645/mo
Deposit HK$17.70M · loan HK$41.31M · min. income ≈ HK$441,818/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$2,508,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,220
−HK$15,190/mo
▼ 0.25% · 3.875%
HK$249,755
−HK$7,655/mo
Today · 4.125%
HK$257,410
baseline
▲ 0.50% · 4.625%
HK$273,072
+HK$15,662/mo
Deposit HK$5.90M · loan HK$53.11M · min. income ≈ HK$514,820/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$2,508,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,468
−HK$14,558/mo
▼ 0.25% · 3.875%
HK$276,695
−HK$7,331/mo
Today · 4.125%
HK$284,026
baseline
▲ 0.50% · 4.625%
HK$298,998
+HK$14,972/mo
Deposit HK$5.90M · loan HK$53.11M · min. income ≈ HK$568,052/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$2,508,091 · Scale 2, in force from 26 Feb 2026)