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$134,540
−HK$8,437/mo
▼ 0.25% · 3.875%
HK$138,725
−HK$4,252/mo
Today · 4.125%
HK$142,977
baseline
▲ 0.50% · 4.625%
HK$151,677
+HK$8,700/mo
Deposit HK$29.50M · loan HK$29.50M · min. income ≈ HK$285,954/mo (50% DSR)
Upfront cash ≈ HK$32.01M (deposit + AVD stamp duty HK$2,507,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,675
−HK$8,086/mo
▼ 0.25% · 3.875%
HK$153,689
−HK$4,072/mo
Today · 4.125%
HK$157,761
baseline
▲ 0.50% · 4.625%
HK$166,077
+HK$8,316/mo
Deposit HK$29.50M · loan HK$29.50M · min. income ≈ HK$315,522/mo (50% DSR)
Upfront cash ≈ HK$32.01M (deposit + AVD stamp duty HK$2,507,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,448
−HK$10,125/mo
▼ 0.25% · 3.875%
HK$166,470
−HK$5,103/mo
Today · 4.125%
HK$171,573
baseline
▲ 0.50% · 4.625%
HK$182,012
+HK$10,439/mo
Deposit HK$23.60M · loan HK$35.40M · min. income ≈ HK$343,146/mo (50% DSR)
Upfront cash ≈ HK$26.11M (deposit + AVD stamp duty HK$2,507,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,610
−HK$9,703/mo
▼ 0.25% · 3.875%
HK$184,427
−HK$4,886/mo
Today · 4.125%
HK$189,313
baseline
▲ 0.50% · 4.625%
HK$199,292
+HK$9,979/mo
Deposit HK$23.60M · loan HK$35.40M · min. income ≈ HK$378,626/mo (50% DSR)
Upfront cash ≈ HK$26.11M (deposit + AVD stamp duty HK$2,507,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,356
−HK$11,812/mo
▼ 0.25% · 3.875%
HK$194,215
−HK$5,953/mo
Today · 4.125%
HK$200,168
baseline
▲ 0.50% · 4.625%
HK$212,348
+HK$12,180/mo
Deposit HK$17.70M · loan HK$41.30M · min. income ≈ HK$400,336/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$2,507,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,545
−HK$11,321/mo
▼ 0.25% · 3.875%
HK$215,164
−HK$5,702/mo
Today · 4.125%
HK$220,866
baseline
▲ 0.50% · 4.625%
HK$232,508
+HK$11,642/mo
Deposit HK$17.70M · loan HK$41.30M · min. income ≈ HK$441,732/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$2,507,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,172
−HK$15,187/mo
▼ 0.25% · 3.875%
HK$249,705
−HK$7,654/mo
Today · 4.125%
HK$257,359
baseline
▲ 0.50% · 4.625%
HK$273,018
+HK$15,659/mo
Deposit HK$5.90M · loan HK$53.10M · min. income ≈ HK$514,718/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$2,507,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,414
−HK$14,556/mo
▼ 0.25% · 3.875%
HK$276,640
−HK$7,330/mo
Today · 4.125%
HK$283,970
baseline
▲ 0.50% · 4.625%
HK$298,938
+HK$14,968/mo
Deposit HK$5.90M · loan HK$53.10M · min. income ≈ HK$567,940/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$2,507,596 · Scale 2, in force from 26 Feb 2026)