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$135,940
−HK$8,525/mo
▼ 0.25% · 3.875%
HK$140,168
−HK$4,297/mo
Today · 4.125%
HK$144,465
baseline
▲ 0.50% · 4.625%
HK$153,255
+HK$8,790/mo
Deposit HK$29.81M · loan HK$29.81M · min. income ≈ HK$288,930/mo (50% DSR)
Upfront cash ≈ HK$32.34M (deposit + AVD stamp duty HK$2,533,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,232
−HK$8,170/mo
▼ 0.25% · 3.875%
HK$155,288
−HK$4,114/mo
Today · 4.125%
HK$159,402
baseline
▲ 0.50% · 4.625%
HK$167,805
+HK$8,403/mo
Deposit HK$29.81M · loan HK$29.81M · min. income ≈ HK$318,804/mo (50% DSR)
Upfront cash ≈ HK$32.34M (deposit + AVD stamp duty HK$2,533,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,128
−HK$10,230/mo
▼ 0.25% · 3.875%
HK$168,202
−HK$5,156/mo
Today · 4.125%
HK$173,358
baseline
▲ 0.50% · 4.625%
HK$183,906
+HK$10,548/mo
Deposit HK$23.85M · loan HK$35.77M · min. income ≈ HK$346,716/mo (50% DSR)
Upfront cash ≈ HK$26.38M (deposit + AVD stamp duty HK$2,533,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,478
−HK$9,805/mo
▼ 0.25% · 3.875%
HK$186,345
−HK$4,938/mo
Today · 4.125%
HK$191,283
baseline
▲ 0.50% · 4.625%
HK$201,366
+HK$10,083/mo
Deposit HK$23.85M · loan HK$35.77M · min. income ≈ HK$382,566/mo (50% DSR)
Upfront cash ≈ HK$26.38M (deposit + AVD stamp duty HK$2,533,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,316
−HK$11,934/mo
▼ 0.25% · 3.875%
HK$196,236
−HK$6,014/mo
Today · 4.125%
HK$202,250
baseline
▲ 0.50% · 4.625%
HK$214,557
+HK$12,307/mo
Deposit HK$17.88M · loan HK$41.73M · min. income ≈ HK$404,500/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$2,533,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,725
−HK$11,438/mo
▼ 0.25% · 3.875%
HK$217,403
−HK$5,760/mo
Today · 4.125%
HK$223,163
baseline
▲ 0.50% · 4.625%
HK$234,927
+HK$11,764/mo
Deposit HK$17.88M · loan HK$41.73M · min. income ≈ HK$446,326/mo (50% DSR)
Upfront cash ≈ HK$20.42M (deposit + AVD stamp duty HK$2,533,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,692
−HK$15,344/mo
▼ 0.25% · 3.875%
HK$252,303
−HK$7,733/mo
Today · 4.125%
HK$260,036
baseline
▲ 0.50% · 4.625%
HK$275,859
+HK$15,823/mo
Deposit HK$5.96M · loan HK$53.65M · min. income ≈ HK$520,072/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$2,533,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$272,217
−HK$14,707/mo
▼ 0.25% · 3.875%
HK$279,518
−HK$7,406/mo
Today · 4.125%
HK$286,924
baseline
▲ 0.50% · 4.625%
HK$302,049
+HK$15,125/mo
Deposit HK$5.96M · loan HK$53.65M · min. income ≈ HK$573,848/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$2,533,684 · Scale 2, in force from 26 Feb 2026)