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$133,203
−HK$8,353/mo
▼ 0.25% · 3.875%
HK$137,346
−HK$4,210/mo
Today · 4.125%
HK$141,556
baseline
▲ 0.50% · 4.625%
HK$150,169
+HK$8,613/mo
Deposit HK$29.21M · loan HK$29.21M · min. income ≈ HK$283,112/mo (50% DSR)
Upfront cash ≈ HK$31.69M (deposit + AVD stamp duty HK$2,482,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,187
−HK$8,006/mo
▼ 0.25% · 3.875%
HK$152,161
−HK$4,032/mo
Today · 4.125%
HK$156,193
baseline
▲ 0.50% · 4.625%
HK$164,426
+HK$8,233/mo
Deposit HK$29.21M · loan HK$29.21M · min. income ≈ HK$312,386/mo (50% DSR)
Upfront cash ≈ HK$31.69M (deposit + AVD stamp duty HK$2,482,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,843
−HK$10,024/mo
▼ 0.25% · 3.875%
HK$164,815
−HK$5,052/mo
Today · 4.125%
HK$169,867
baseline
▲ 0.50% · 4.625%
HK$180,203
+HK$10,336/mo
Deposit HK$23.37M · loan HK$35.05M · min. income ≈ HK$339,734/mo (50% DSR)
Upfront cash ≈ HK$25.85M (deposit + AVD stamp duty HK$2,482,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,824
−HK$9,607/mo
▼ 0.25% · 3.875%
HK$182,593
−HK$4,838/mo
Today · 4.125%
HK$187,431
baseline
▲ 0.50% · 4.625%
HK$197,311
+HK$9,880/mo
Deposit HK$23.37M · loan HK$35.05M · min. income ≈ HK$374,862/mo (50% DSR)
Upfront cash ≈ HK$25.85M (deposit + AVD stamp duty HK$2,482,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,484
−HK$11,694/mo
▼ 0.25% · 3.875%
HK$192,284
−HK$5,894/mo
Today · 4.125%
HK$198,178
baseline
▲ 0.50% · 4.625%
HK$210,237
+HK$12,059/mo
Deposit HK$17.52M · loan HK$40.89M · min. income ≈ HK$396,356/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$2,482,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,461
−HK$11,209/mo
▼ 0.25% · 3.875%
HK$213,025
−HK$5,645/mo
Today · 4.125%
HK$218,670
baseline
▲ 0.50% · 4.625%
HK$230,196
+HK$11,526/mo
Deposit HK$17.52M · loan HK$40.89M · min. income ≈ HK$437,340/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$2,482,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,765
−HK$15,035/mo
▼ 0.25% · 3.875%
HK$247,223
−HK$7,577/mo
Today · 4.125%
HK$254,800
baseline
▲ 0.50% · 4.625%
HK$270,304
+HK$15,504/mo
Deposit HK$5.84M · loan HK$52.57M · min. income ≈ HK$509,600/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$2,482,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$266,736
−HK$14,411/mo
▼ 0.25% · 3.875%
HK$273,890
−HK$7,257/mo
Today · 4.125%
HK$281,147
baseline
▲ 0.50% · 4.625%
HK$295,967
+HK$14,820/mo
Deposit HK$5.84M · loan HK$52.57M · min. income ≈ HK$562,294/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$2,482,666 · Scale 2, in force from 26 Feb 2026)