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$134,555
−HK$8,437/mo
▼ 0.25% · 3.875%
HK$138,740
−HK$4,252/mo
Today · 4.125%
HK$142,992
baseline
▲ 0.50% · 4.625%
HK$151,693
+HK$8,701/mo
Deposit HK$29.50M · loan HK$29.50M · min. income ≈ HK$285,984/mo (50% DSR)
Upfront cash ≈ HK$32.01M (deposit + AVD stamp duty HK$2,507,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,691
−HK$8,087/mo
▼ 0.25% · 3.875%
HK$153,705
−HK$4,073/mo
Today · 4.125%
HK$157,778
baseline
▲ 0.50% · 4.625%
HK$166,095
+HK$8,317/mo
Deposit HK$29.50M · loan HK$29.50M · min. income ≈ HK$315,556/mo (50% DSR)
Upfront cash ≈ HK$32.01M (deposit + AVD stamp duty HK$2,507,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,466
−HK$10,125/mo
▼ 0.25% · 3.875%
HK$166,488
−HK$5,103/mo
Today · 4.125%
HK$171,591
baseline
▲ 0.50% · 4.625%
HK$182,032
+HK$10,441/mo
Deposit HK$23.60M · loan HK$35.41M · min. income ≈ HK$343,182/mo (50% DSR)
Upfront cash ≈ HK$26.11M (deposit + AVD stamp duty HK$2,507,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,629
−HK$9,705/mo
▼ 0.25% · 3.875%
HK$184,446
−HK$4,888/mo
Today · 4.125%
HK$189,334
baseline
▲ 0.50% · 4.625%
HK$199,314
+HK$9,980/mo
Deposit HK$23.60M · loan HK$35.41M · min. income ≈ HK$378,668/mo (50% DSR)
Upfront cash ≈ HK$26.11M (deposit + AVD stamp duty HK$2,507,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,376
−HK$11,813/mo
▼ 0.25% · 3.875%
HK$194,236
−HK$5,953/mo
Today · 4.125%
HK$200,189
baseline
▲ 0.50% · 4.625%
HK$212,370
+HK$12,181/mo
Deposit HK$17.70M · loan HK$41.31M · min. income ≈ HK$400,378/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$2,507,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,567
−HK$11,322/mo
▼ 0.25% · 3.875%
HK$215,187
−HK$5,702/mo
Today · 4.125%
HK$220,889
baseline
▲ 0.50% · 4.625%
HK$232,533
+HK$11,644/mo
Deposit HK$17.70M · loan HK$41.31M · min. income ≈ HK$441,778/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$2,507,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,198
−HK$15,188/mo
▼ 0.25% · 3.875%
HK$249,732
−HK$7,654/mo
Today · 4.125%
HK$257,386
baseline
▲ 0.50% · 4.625%
HK$273,048
+HK$15,662/mo
Deposit HK$5.90M · loan HK$53.11M · min. income ≈ HK$514,772/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$2,507,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$269,443
−HK$14,557/mo
▼ 0.25% · 3.875%
HK$276,670
−HK$7,330/mo
Today · 4.125%
HK$284,000
baseline
▲ 0.50% · 4.625%
HK$298,970
+HK$14,970/mo
Deposit HK$5.90M · loan HK$53.11M · min. income ≈ HK$568,000/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$2,507,864 · Scale 2, in force from 26 Feb 2026)