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$132,597
−HK$8,315/mo
▼ 0.25% · 3.875%
HK$136,721
−HK$4,191/mo
Today · 4.125%
HK$140,912
baseline
▲ 0.50% · 4.625%
HK$149,486
+HK$8,574/mo
Deposit HK$29.08M · loan HK$29.08M · min. income ≈ HK$281,824/mo (50% DSR)
Upfront cash ≈ HK$31.55M (deposit + AVD stamp duty HK$2,471,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,513
−HK$7,969/mo
▼ 0.25% · 3.875%
HK$151,469
−HK$4,013/mo
Today · 4.125%
HK$155,482
baseline
▲ 0.50% · 4.625%
HK$163,678
+HK$8,196/mo
Deposit HK$29.08M · loan HK$29.08M · min. income ≈ HK$310,964/mo (50% DSR)
Upfront cash ≈ HK$31.55M (deposit + AVD stamp duty HK$2,471,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,116
−HK$9,978/mo
▼ 0.25% · 3.875%
HK$164,066
−HK$5,028/mo
Today · 4.125%
HK$169,094
baseline
▲ 0.50% · 4.625%
HK$179,383
+HK$10,289/mo
Deposit HK$23.26M · loan HK$34.89M · min. income ≈ HK$338,188/mo (50% DSR)
Upfront cash ≈ HK$25.73M (deposit + AVD stamp duty HK$2,471,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,015
−HK$9,564/mo
▼ 0.25% · 3.875%
HK$181,763
−HK$4,816/mo
Today · 4.125%
HK$186,579
baseline
▲ 0.50% · 4.625%
HK$196,414
+HK$9,835/mo
Deposit HK$23.26M · loan HK$34.89M · min. income ≈ HK$373,158/mo (50% DSR)
Upfront cash ≈ HK$25.73M (deposit + AVD stamp duty HK$2,471,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,636
−HK$11,641/mo
▼ 0.25% · 3.875%
HK$191,410
−HK$5,867/mo
Today · 4.125%
HK$197,277
baseline
▲ 0.50% · 4.625%
HK$209,281
+HK$12,004/mo
Deposit HK$17.45M · loan HK$40.71M · min. income ≈ HK$394,554/mo (50% DSR)
Upfront cash ≈ HK$19.92M (deposit + AVD stamp duty HK$2,471,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,518
−HK$11,157/mo
▼ 0.25% · 3.875%
HK$212,057
−HK$5,618/mo
Today · 4.125%
HK$217,675
baseline
▲ 0.50% · 4.625%
HK$229,149
+HK$11,474/mo
Deposit HK$17.45M · loan HK$40.71M · min. income ≈ HK$435,350/mo (50% DSR)
Upfront cash ≈ HK$19.92M (deposit + AVD stamp duty HK$2,471,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$238,675
−HK$14,966/mo
▼ 0.25% · 3.875%
HK$246,099
−HK$7,542/mo
Today · 4.125%
HK$253,641
baseline
▲ 0.50% · 4.625%
HK$269,075
+HK$15,434/mo
Deposit HK$5.82M · loan HK$52.34M · min. income ≈ HK$507,282/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$2,471,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$265,523
−HK$14,345/mo
▼ 0.25% · 3.875%
HK$272,644
−HK$7,224/mo
Today · 4.125%
HK$279,868
baseline
▲ 0.50% · 4.625%
HK$294,621
+HK$14,753/mo
Deposit HK$5.82M · loan HK$52.34M · min. income ≈ HK$559,736/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$2,471,376 · Scale 2, in force from 26 Feb 2026)