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$134,374
−HK$8,427/mo
▼ 0.25% · 3.875%
HK$138,554
−HK$4,247/mo
Today · 4.125%
HK$142,801
baseline
▲ 0.50% · 4.625%
HK$151,490
+HK$8,689/mo
Deposit HK$29.46M · loan HK$29.46M · min. income ≈ HK$285,602/mo (50% DSR)
Upfront cash ≈ HK$31.97M (deposit + AVD stamp duty HK$2,504,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,490
−HK$8,077/mo
▼ 0.25% · 3.875%
HK$153,499
−HK$4,068/mo
Today · 4.125%
HK$157,567
baseline
▲ 0.50% · 4.625%
HK$165,872
+HK$8,305/mo
Deposit HK$29.46M · loan HK$29.46M · min. income ≈ HK$315,134/mo (50% DSR)
Upfront cash ≈ HK$31.97M (deposit + AVD stamp duty HK$2,504,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,249
−HK$10,112/mo
▼ 0.25% · 3.875%
HK$166,265
−HK$5,096/mo
Today · 4.125%
HK$171,361
baseline
▲ 0.50% · 4.625%
HK$181,788
+HK$10,427/mo
Deposit HK$23.57M · loan HK$35.36M · min. income ≈ HK$342,722/mo (50% DSR)
Upfront cash ≈ HK$26.08M (deposit + AVD stamp duty HK$2,504,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,388
−HK$9,692/mo
▼ 0.25% · 3.875%
HK$184,199
−HK$4,881/mo
Today · 4.125%
HK$189,080
baseline
▲ 0.50% · 4.625%
HK$199,047
+HK$9,967/mo
Deposit HK$23.57M · loan HK$35.36M · min. income ≈ HK$378,160/mo (50% DSR)
Upfront cash ≈ HK$26.08M (deposit + AVD stamp duty HK$2,504,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,124
−HK$11,797/mo
▼ 0.25% · 3.875%
HK$193,976
−HK$5,945/mo
Today · 4.125%
HK$199,921
baseline
▲ 0.50% · 4.625%
HK$212,086
+HK$12,165/mo
Deposit HK$17.68M · loan HK$41.25M · min. income ≈ HK$399,842/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$2,504,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,286
−HK$11,307/mo
▼ 0.25% · 3.875%
HK$214,899
−HK$5,694/mo
Today · 4.125%
HK$220,593
baseline
▲ 0.50% · 4.625%
HK$232,221
+HK$11,628/mo
Deposit HK$17.68M · loan HK$41.25M · min. income ≈ HK$441,186/mo (50% DSR)
Upfront cash ≈ HK$20.18M (deposit + AVD stamp duty HK$2,504,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,874
−HK$15,167/mo
▼ 0.25% · 3.875%
HK$249,397
−HK$7,644/mo
Today · 4.125%
HK$257,041
baseline
▲ 0.50% · 4.625%
HK$272,682
+HK$15,641/mo
Deposit HK$5.89M · loan HK$53.04M · min. income ≈ HK$514,082/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$2,504,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,082
−HK$14,538/mo
▼ 0.25% · 3.875%
HK$276,299
−HK$7,321/mo
Today · 4.125%
HK$283,620
baseline
▲ 0.50% · 4.625%
HK$298,570
+HK$14,950/mo
Deposit HK$5.89M · loan HK$53.04M · min. income ≈ HK$567,240/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$2,504,503 · Scale 2, in force from 26 Feb 2026)