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$135,156
−HK$8,476/mo
▼ 0.25% · 3.875%
HK$139,360
−HK$4,272/mo
Today · 4.125%
HK$143,632
baseline
▲ 0.50% · 4.625%
HK$152,371
+HK$8,739/mo
Deposit HK$29.64M · loan HK$29.64M · min. income ≈ HK$287,264/mo (50% DSR)
Upfront cash ≈ HK$32.16M (deposit + AVD stamp duty HK$2,519,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,360
−HK$8,124/mo
▼ 0.25% · 3.875%
HK$154,393
−HK$4,091/mo
Today · 4.125%
HK$158,484
baseline
▲ 0.50% · 4.625%
HK$166,837
+HK$8,353/mo
Deposit HK$29.64M · loan HK$29.64M · min. income ≈ HK$316,968/mo (50% DSR)
Upfront cash ≈ HK$32.16M (deposit + AVD stamp duty HK$2,519,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,188
−HK$10,170/mo
▼ 0.25% · 3.875%
HK$167,233
−HK$5,125/mo
Today · 4.125%
HK$172,358
baseline
▲ 0.50% · 4.625%
HK$182,846
+HK$10,488/mo
Deposit HK$23.71M · loan HK$35.56M · min. income ≈ HK$344,716/mo (50% DSR)
Upfront cash ≈ HK$26.23M (deposit + AVD stamp duty HK$2,519,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,432
−HK$9,748/mo
▼ 0.25% · 3.875%
HK$185,271
−HK$4,909/mo
Today · 4.125%
HK$190,180
baseline
▲ 0.50% · 4.625%
HK$200,205
+HK$10,025/mo
Deposit HK$23.71M · loan HK$35.56M · min. income ≈ HK$380,360/mo (50% DSR)
Upfront cash ≈ HK$26.23M (deposit + AVD stamp duty HK$2,519,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,219
−HK$11,866/mo
▼ 0.25% · 3.875%
HK$195,105
−HK$5,980/mo
Today · 4.125%
HK$201,085
baseline
▲ 0.50% · 4.625%
HK$213,320
+HK$12,235/mo
Deposit HK$17.78M · loan HK$41.49M · min. income ≈ HK$402,170/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$2,519,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,504
−HK$11,373/mo
▼ 0.25% · 3.875%
HK$216,150
−HK$5,727/mo
Today · 4.125%
HK$221,877
baseline
▲ 0.50% · 4.625%
HK$233,572
+HK$11,695/mo
Deposit HK$17.78M · loan HK$41.49M · min. income ≈ HK$443,754/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$2,519,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,281
−HK$15,256/mo
▼ 0.25% · 3.875%
HK$250,849
−HK$7,688/mo
Today · 4.125%
HK$258,537
baseline
▲ 0.50% · 4.625%
HK$274,269
+HK$15,732/mo
Deposit HK$5.93M · loan HK$53.35M · min. income ≈ HK$517,074/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$2,519,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$270,648
−HK$14,622/mo
▼ 0.25% · 3.875%
HK$277,907
−HK$7,363/mo
Today · 4.125%
HK$285,270
baseline
▲ 0.50% · 4.625%
HK$300,307
+HK$15,037/mo
Deposit HK$5.93M · loan HK$53.35M · min. income ≈ HK$570,540/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$2,519,079 · Scale 2, in force from 26 Feb 2026)