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$134,693
−HK$8,446/mo
▼ 0.25% · 3.875%
HK$138,883
−HK$4,256/mo
Today · 4.125%
HK$143,139
baseline
▲ 0.50% · 4.625%
HK$151,849
+HK$8,710/mo
Deposit HK$29.53M · loan HK$29.53M · min. income ≈ HK$286,278/mo (50% DSR)
Upfront cash ≈ HK$32.05M (deposit + AVD stamp duty HK$2,510,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,844
−HK$8,096/mo
▼ 0.25% · 3.875%
HK$153,863
−HK$4,077/mo
Today · 4.125%
HK$157,940
baseline
▲ 0.50% · 4.625%
HK$166,265
+HK$8,325/mo
Deposit HK$29.53M · loan HK$29.53M · min. income ≈ HK$315,880/mo (50% DSR)
Upfront cash ≈ HK$32.05M (deposit + AVD stamp duty HK$2,510,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,631
−HK$10,136/mo
▼ 0.25% · 3.875%
HK$166,659
−HK$5,108/mo
Today · 4.125%
HK$171,767
baseline
▲ 0.50% · 4.625%
HK$182,219
+HK$10,452/mo
Deposit HK$23.63M · loan HK$35.44M · min. income ≈ HK$343,534/mo (50% DSR)
Upfront cash ≈ HK$26.14M (deposit + AVD stamp duty HK$2,510,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,813
−HK$9,715/mo
▼ 0.25% · 3.875%
HK$184,636
−HK$4,892/mo
Today · 4.125%
HK$189,528
baseline
▲ 0.50% · 4.625%
HK$199,518
+HK$9,990/mo
Deposit HK$23.63M · loan HK$35.44M · min. income ≈ HK$379,056/mo (50% DSR)
Upfront cash ≈ HK$26.14M (deposit + AVD stamp duty HK$2,510,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,570
−HK$11,825/mo
▼ 0.25% · 3.875%
HK$194,436
−HK$5,959/mo
Today · 4.125%
HK$200,395
baseline
▲ 0.50% · 4.625%
HK$212,589
+HK$12,194/mo
Deposit HK$17.72M · loan HK$41.35M · min. income ≈ HK$400,790/mo (50% DSR)
Upfront cash ≈ HK$20.23M (deposit + AVD stamp duty HK$2,510,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,782
−HK$11,334/mo
▼ 0.25% · 3.875%
HK$215,408
−HK$5,708/mo
Today · 4.125%
HK$221,116
baseline
▲ 0.50% · 4.625%
HK$232,771
+HK$11,655/mo
Deposit HK$17.72M · loan HK$41.35M · min. income ≈ HK$442,232/mo (50% DSR)
Upfront cash ≈ HK$20.23M (deposit + AVD stamp duty HK$2,510,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,447
−HK$15,204/mo
▼ 0.25% · 3.875%
HK$249,989
−HK$7,662/mo
Today · 4.125%
HK$257,651
baseline
▲ 0.50% · 4.625%
HK$273,328
+HK$15,677/mo
Deposit HK$5.91M · loan HK$53.16M · min. income ≈ HK$515,302/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$2,510,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,720
−HK$14,572/mo
▼ 0.25% · 3.875%
HK$276,954
−HK$7,338/mo
Today · 4.125%
HK$284,292
baseline
▲ 0.50% · 4.625%
HK$299,278
+HK$14,986/mo
Deposit HK$5.91M · loan HK$53.16M · min. income ≈ HK$568,584/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$2,510,440 · Scale 2, in force from 26 Feb 2026)