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$134,881
−HK$8,458/mo
▼ 0.25% · 3.875%
HK$139,077
−HK$4,262/mo
Today · 4.125%
HK$143,339
baseline
▲ 0.50% · 4.625%
HK$152,061
+HK$8,722/mo
Deposit HK$29.58M · loan HK$29.58M · min. income ≈ HK$286,678/mo (50% DSR)
Upfront cash ≈ HK$32.09M (deposit + AVD stamp duty HK$2,513,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,054
−HK$8,107/mo
▼ 0.25% · 3.875%
HK$154,078
−HK$4,083/mo
Today · 4.125%
HK$158,161
baseline
▲ 0.50% · 4.625%
HK$166,498
+HK$8,337/mo
Deposit HK$29.58M · loan HK$29.58M · min. income ≈ HK$316,322/mo (50% DSR)
Upfront cash ≈ HK$32.09M (deposit + AVD stamp duty HK$2,513,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,857
−HK$10,150/mo
▼ 0.25% · 3.875%
HK$166,892
−HK$5,115/mo
Today · 4.125%
HK$172,007
baseline
▲ 0.50% · 4.625%
HK$182,473
+HK$10,466/mo
Deposit HK$23.66M · loan HK$35.49M · min. income ≈ HK$344,014/mo (50% DSR)
Upfront cash ≈ HK$26.17M (deposit + AVD stamp duty HK$2,513,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,064
−HK$9,729/mo
▼ 0.25% · 3.875%
HK$184,894
−HK$4,899/mo
Today · 4.125%
HK$189,793
baseline
▲ 0.50% · 4.625%
HK$199,797
+HK$10,004/mo
Deposit HK$23.66M · loan HK$35.49M · min. income ≈ HK$379,586/mo (50% DSR)
Upfront cash ≈ HK$26.17M (deposit + AVD stamp duty HK$2,513,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,833
−HK$11,842/mo
▼ 0.25% · 3.875%
HK$194,707
−HK$5,968/mo
Today · 4.125%
HK$200,675
baseline
▲ 0.50% · 4.625%
HK$212,885
+HK$12,210/mo
Deposit HK$17.75M · loan HK$41.41M · min. income ≈ HK$401,350/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$2,513,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,075
−HK$11,350/mo
▼ 0.25% · 3.875%
HK$215,709
−HK$5,716/mo
Today · 4.125%
HK$221,425
baseline
▲ 0.50% · 4.625%
HK$233,097
+HK$11,672/mo
Deposit HK$17.75M · loan HK$41.41M · min. income ≈ HK$442,850/mo (50% DSR)
Upfront cash ≈ HK$20.26M (deposit + AVD stamp duty HK$2,513,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,786
−HK$15,225/mo
▼ 0.25% · 3.875%
HK$250,338
−HK$7,673/mo
Today · 4.125%
HK$258,011
baseline
▲ 0.50% · 4.625%
HK$273,710
+HK$15,699/mo
Deposit HK$5.92M · loan HK$53.24M · min. income ≈ HK$516,022/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$2,513,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,097
−HK$14,592/mo
▼ 0.25% · 3.875%
HK$277,341
−HK$7,348/mo
Today · 4.125%
HK$284,689
baseline
▲ 0.50% · 4.625%
HK$299,696
+HK$15,007/mo
Deposit HK$5.92M · loan HK$53.24M · min. income ≈ HK$569,378/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$2,513,946 · Scale 2, in force from 26 Feb 2026)