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$135,295
−HK$8,484/mo
▼ 0.25% · 3.875%
HK$139,504
−HK$4,275/mo
Today · 4.125%
HK$143,779
baseline
▲ 0.50% · 4.625%
HK$152,528
+HK$8,749/mo
Deposit HK$29.67M · loan HK$29.67M · min. income ≈ HK$287,558/mo (50% DSR)
Upfront cash ≈ HK$32.19M (deposit + AVD stamp duty HK$2,521,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,514
−HK$8,132/mo
▼ 0.25% · 3.875%
HK$154,551
−HK$4,095/mo
Today · 4.125%
HK$158,646
baseline
▲ 0.50% · 4.625%
HK$167,009
+HK$8,363/mo
Deposit HK$29.67M · loan HK$29.67M · min. income ≈ HK$317,292/mo (50% DSR)
Upfront cash ≈ HK$32.19M (deposit + AVD stamp duty HK$2,521,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,354
−HK$10,181/mo
▼ 0.25% · 3.875%
HK$167,404
−HK$5,131/mo
Today · 4.125%
HK$172,535
baseline
▲ 0.50% · 4.625%
HK$183,034
+HK$10,499/mo
Deposit HK$23.73M · loan HK$35.60M · min. income ≈ HK$345,070/mo (50% DSR)
Upfront cash ≈ HK$26.25M (deposit + AVD stamp duty HK$2,521,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,617
−HK$9,759/mo
▼ 0.25% · 3.875%
HK$185,461
−HK$4,915/mo
Today · 4.125%
HK$190,376
baseline
▲ 0.50% · 4.625%
HK$200,410
+HK$10,034/mo
Deposit HK$23.73M · loan HK$35.60M · min. income ≈ HK$380,752/mo (50% DSR)
Upfront cash ≈ HK$26.25M (deposit + AVD stamp duty HK$2,521,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,413
−HK$11,878/mo
▼ 0.25% · 3.875%
HK$195,305
−HK$5,986/mo
Today · 4.125%
HK$201,291
baseline
▲ 0.50% · 4.625%
HK$213,539
+HK$12,248/mo
Deposit HK$17.80M · loan HK$41.53M · min. income ≈ HK$402,582/mo (50% DSR)
Upfront cash ≈ HK$20.32M (deposit + AVD stamp duty HK$2,521,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,720
−HK$11,385/mo
▼ 0.25% · 3.875%
HK$216,372
−HK$5,733/mo
Today · 4.125%
HK$222,105
baseline
▲ 0.50% · 4.625%
HK$233,812
+HK$11,707/mo
Deposit HK$17.80M · loan HK$41.53M · min. income ≈ HK$444,210/mo (50% DSR)
Upfront cash ≈ HK$20.32M (deposit + AVD stamp duty HK$2,521,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,531
−HK$15,272/mo
▼ 0.25% · 3.875%
HK$251,106
−HK$7,697/mo
Today · 4.125%
HK$258,803
baseline
▲ 0.50% · 4.625%
HK$274,550
+HK$15,747/mo
Deposit HK$5.93M · loan HK$53.40M · min. income ≈ HK$517,606/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$2,521,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,926
−HK$14,637/mo
▼ 0.25% · 3.875%
HK$278,192
−HK$7,371/mo
Today · 4.125%
HK$285,563
baseline
▲ 0.50% · 4.625%
HK$300,616
+HK$15,053/mo
Deposit HK$5.93M · loan HK$53.40M · min. income ≈ HK$571,126/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$2,521,665 · Scale 2, in force from 26 Feb 2026)